Home > Bank of St. Francisville > Performance and Condition Ratios
Bank of St. Francisville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8783% | 740 |
| Cost of funding earning assets | 1.7536% | 1,342 |
| Net interest margin | 4.1247% | 1,043 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.7997% | 1,498 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.4406% | 1,134 |
| Return on assets (ROA) | 1.4406% | 1,104 |
| Pretax return on assets | 1.4406% | 1,552 |
| Return on Equity (ROE) | 16.5100% | 1,016 |
| Retained earnings to average equity (ytd only) | 8.6190% | 1,360 |
| Net charge-offs to loans | 0.0112% | 2,227 |
| Credit loss provision to net charge-offs | 1,250.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 185.0417% | 617 |
| Efficiency ratio | 64.4407% | 2,556 |
| Assets per employee ($millions) | 6.7929% | 2,210 |
| Cash dividends to net income (ytd only)* | 47.7904% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 1,497 |
| Loan loss allowance to noncurrent loans | 82.4729% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 371 |
| Noncurrent loans to loans | 1.6648% | 381 |
| Net loans and leases to total assets | 70.3900% | 1,764 |
| Net loans and leases to deposits | 81.8315% | 1,962 |
| Net loans and leases to core deposits | 90.6884% | 2,004 |
| Total domestic deposits to total assets | 86.0200% | 2,007 |
| Equity capital to assets | 8.5887% | 2,982 |
| Core capital (leverage) ratio | 10.8639% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $287,454,400 | 2,485 |
| Average earning assets | $271,778,400 | 2,457 |
| Average equity | $25,084,200 | 2,512 |
| Average total loans | $213,699,600 | 2,204 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7917% | 699 |
| Cost of funding earning assets | 1.5453% | 1,495 |
| Net interest margin | 4.2464% | 869 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.8005% | 1,435 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.4965% | 1,135 |
| Return on assets (ROA) | 1.4965% | 1,115 |
| Pretax return on assets | 1.4965% | 1,563 |
| Return on Equity (ROE) | 17.0700% | 1,064 |
| Retained earnings to average equity (ytd only) | 6.2356% | 2,559 |
| Net charge-offs to loans | 0.0032% | 2,401 |
| Credit loss provision to net charge-offs | 4,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 668.6000% | 239 |
| Efficiency ratio | 63.5759% | 2,552 |
| Assets per employee ($millions) | 6.0358% | 2,724 |
| Cash dividends to net income (ytd only)* | 63.4702% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,603 |
| Loan loss allowance to noncurrent loans | 554.5936% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 1,882 |
| Noncurrent loans to loans | 0.2462% | 2,363 |
| Net loans and leases to total assets | 75.1400% | 1,219 |
| Net loans and leases to deposits | 88.0264% | 1,388 |
| Net loans and leases to core deposits | 97.3604% | 1,483 |
| Total domestic deposits to total assets | 85.3600% | 2,396 |
| Equity capital to assets | 8.6743% | 2,612 |
| Core capital (leverage) ratio | 10.7676% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $277,803,500 | 2,541 |
| Average earning assets | $263,840,250 | 2,499 |
| Average equity | $24,354,250 | 2,543 |
| Average total loans | $208,949,000 | 2,232 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5999% | 730 |
| Cost of funding earning assets | 1.2385% | 1,887 |
| Net interest margin | 4.3614% | 739 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.8531% | 1,323 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.5426% | 1,029 |
| Return on assets (ROA) | 1.5426% | 1,023 |
| Pretax return on assets | 1.5426% | 1,512 |
| Return on Equity (ROE) | 17.5300% | 1,014 |
| Retained earnings to average equity (ytd only) | 4.2196% | 3,154 |
| Net charge-offs to loans | -0.0149% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.3059% | 2,561 |
| Assets per employee ($millions) | 6.4395% | 2,339 |
| Cash dividends to net income (ytd only)* | 75.9250% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,472 |
| Loan loss allowance to noncurrent loans | 533.7370% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 2,216 |
| Noncurrent loans to loans | 0.2650% | 2,211 |
| Net loans and leases to total assets | 72.6000% | 1,459 |
| Net loans and leases to deposits | 86.2088% | 1,484 |
| Net loans and leases to core deposits | 97.8518% | 1,359 |
| Total domestic deposits to total assets | 84.2100% | 2,774 |
| Equity capital to assets | 8.1825% | 3,097 |
| Core capital (leverage) ratio | 10.4557% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $269,808,667 | 2,590 |
| Average earning assets | $255,467,000 | 2,550 |
| Average equity | $23,746,333 | 2,582 |
| Average total loans | $201,964,667 | 2,275 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3930% | 727 |
| Cost of funding earning assets | 1.1154% | 1,714 |
| Net interest margin | 4.2776% | 844 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.9960% | 1,070 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.3359% | 1,579 |
| Return on assets (ROA) | 1.3359% | 1,548 |
| Pretax return on assets | 1.3359% | 2,071 |
| Return on Equity (ROE) | 14.5900% | 1,649 |
| Retained earnings to average equity (ytd only) | 7.7786% | 2,291 |
| Net charge-offs to loans | -0.0928% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3441% | 2,055 |
| Assets per employee ($millions) | 5.5173% | 3,204 |
| Cash dividends to net income (ytd only)* | 46.6744% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,186 |
| Loan loss allowance to noncurrent loans | 621.6769% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,177 |
| Noncurrent loans to loans | 0.2453% | 2,271 |
| Net loans and leases to total assets | 77.3500% | 839 |
| Net loans and leases to deposits | 86.0457% | 1,347 |
| Net loans and leases to core deposits | 91.7945% | 1,511 |
| Total domestic deposits to total assets | 89.8900% | 1,195 |
| Equity capital to assets | 9.3496% | 2,258 |
| Core capital (leverage) ratio | 10.9886% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $256,605,000 | 2,691 |
| Average earning assets | $243,501,000 | 2,655 |
| Average equity | $23,500,500 | 2,622 |
| Average total loans | $193,881,000 | 2,350 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 320 |
| Cost of funding earning assets | 0.4570% | 1,672 |
| Net interest margin | 4.5000% | 293 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.1494% | 780 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4999% | 878 |
| Return on assets (ROA) | 1.4999% | 847 |
| Pretax return on assets | 1.4999% | 1,458 |
| Return on Equity (ROE) | 16.9300% | 875 |
| Retained earnings to average equity (ytd only) | 8.2281% | 1,749 |
| Net charge-offs to loans | 0.0400% | 1,302 |
| Credit loss provision to net charge-offs | 617.6471% | 591 |
| Earnings coverage of net charge-offs (x) | 56.8824% | 1,293 |
| Efficiency ratio | 65.1782% | 2,342 |
| Assets per employee ($millions) | 5.8958% | 2,854 |
| Cash dividends to net income (ytd only)* | 51.3921% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 1,084 |
| Loan loss allowance to noncurrent loans | 369.9620% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 1,633 |
| Noncurrent loans to loans | 0.4188% | 1,675 |
| Net loans and leases to total assets | 71.5100% | 1,470 |
| Net loans and leases to deposits | 79.1493% | 1,832 |
| Net loans and leases to core deposits | 87.2951% | 1,662 |
| Total domestic deposits to total assets | 90.3400% | 1,227 |
| Equity capital to assets | 8.9710% | 2,375 |
| Core capital (leverage) ratio | 11.2653% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $229,883,600 | 2,844 |
| Average earning assets | $218,799,400 | 2,808 |
| Average equity | $20,369,200 | 2,923 |
| Average total loans | $170,063,400 | 2,454 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 268 |
| Cost of funding earning assets | 0.2905% | 2,277 |
| Net interest margin | 4.5455% | 221 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 3.0914% | 797 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.6503% | 594 |
| Return on assets (ROA) | 1.6503% | 580 |
| Pretax return on assets | 1.6503% | 1,004 |
| Return on Equity (ROE) | 18.6900% | 558 |
| Retained earnings to average equity (ytd only) | 6.6585% | 2,491 |
| Net charge-offs to loans | 0.0500% | 983 |
| Credit loss provision to net charge-offs | 508.0645% | 601 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 1,291 |
| Efficiency ratio | 62.7005% | 2,737 |
| Assets per employee ($millions) | 5.1285% | 3,564 |
| Cash dividends to net income (ytd only)* | 64.3791% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,128 |
| Loan loss allowance to noncurrent loans | 341.6970% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 1,541 |
| Noncurrent loans to loans | 0.4588% | 1,655 |
| Net loans and leases to total assets | 75.0200% | 1,008 |
| Net loans and leases to deposits | 82.5711% | 1,397 |
| Net loans and leases to core deposits | 91.8573% | 1,190 |
| Total domestic deposits to total assets | 90.8600% | 1,298 |
| Equity capital to assets | 8.2874% | 2,689 |
| Core capital (leverage) ratio | 10.3026% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $222,501,250 | 2,903 |
| Average earning assets | $211,575,750 | 2,869 |
| Average equity | $19,643,500 | 3,024 |
| Average total loans | $165,475,750 | 2,494 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 291 |
| Cost of funding earning assets | 0.2143% | 2,712 |
| Net interest margin | 4.4078% | 225 |
| Noninterest income to average assets | 0.6449% | 1,567 |
| Noninterest expense to average assets | 3.0565% | 782 |
| Loan and lease loss provision to assets | 0.1926% | 450 |
| Net operating income to assets | 1.5842% | 571 |
| Return on assets (ROA) | 1.5842% | 563 |
| Pretax return on assets | 1.5842% | 982 |
| Return on Equity (ROE) | 17.5559% | 519 |
| Retained earnings to average equity (ytd only) | 3.9747% | 3,090 |
| Net charge-offs to loans | 0.0311% | 1,100 |
| Credit loss provision to net charge-offs | 840.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 77.4800% | 949 |
| Efficiency ratio | 63.2378% | 2,881 |
| Assets per employee ($millions) | 4.6745% | 3,955 |
| Cash dividends to net income (ytd only)* | 77.3596% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 1,037 |
| Loan loss allowance to noncurrent loans | 299.7821% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 1,348 |
| Noncurrent loans to loans | 0.5533% | 1,508 |
| Net loans and leases to total assets | 74.2701% | 888 |
| Net loans and leases to deposits | 82.3960% | 1,219 |
| Net loans and leases to core deposits | 87.6657% | 1,240 |
| Total domestic deposits to total assets | 90.1380% | 1,655 |
| Equity capital to assets | 9.0482% | 2,358 |
| Core capital (leverage) ratio | 10.5968% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,030,667 | 2,963 |
| Average earning assets | $207,179,667 | 2,937 |
| Average equity | $19,674,333 | 3,094 |
| Average total loans | $160,699,000 | 2,542 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 385 |
| Cost of funding earning assets | 0.2002% | 2,799 |
| Net interest margin | 4.1935% | 288 |
| Noninterest income to average assets | 0.4991% | 2,141 |
| Noninterest expense to average assets | 3.0572% | 746 |
| Loan and lease loss provision to assets | 0.1934% | 380 |
| Net operating income to assets | 1.2210% | 1,194 |
| Return on assets (ROA) | 1.2210% | 1,178 |
| Pretax return on assets | 1.2210% | 1,732 |
| Return on Equity (ROE) | 13.5500% | 922 |
| Retained earnings to average equity (ytd only) | 3.7809% | 3,018 |
| Net charge-offs to loans | 0.0506% | 782 |
| Credit loss provision to net charge-offs | 525.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 38.4000% | 1,026 |
| Efficiency ratio | 68.3690% | 2,458 |
| Assets per employee ($millions) | 5.0191% | 3,737 |
| Cash dividends to net income (ytd only)* | 72.0965% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 1,114 |
| Loan loss allowance to noncurrent loans | 324.2054% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 1,537 |
| Noncurrent loans to loans | 0.5135% | 1,737 |
| Net loans and leases to total assets | 74.3082% | 640 |
| Net loans and leases to deposits | 82.5167% | 977 |
| Net loans and leases to core deposits | 88.1682% | 1,012 |
| Total domestic deposits to total assets | 90.0523% | 1,537 |
| Equity capital to assets | 9.1488% | 2,575 |
| Core capital (leverage) ratio | 10.7816% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,195,000 | 2,987 |
| Average earning assets | $205,748,500 | 2,960 |
| Average equity | $19,572,000 | 3,177 |
| Average total loans | $158,086,000 | 2,567 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 388 |
| Cost of funding earning assets | 0.2390% | 3,053 |
| Net interest margin | 4.5199% | 257 |
| Noninterest income to average assets | 1.3968% | 565 |
| Noninterest expense to average assets | 3.0710% | 887 |
| Loan and lease loss provision to assets | 0.3888% | 179 |
| Net operating income to assets | 2.1928% | 249 |
| Return on assets (ROA) | 2.1952% | 258 |
| Pretax return on assets | 2.1952% | 418 |
| Return on Equity (ROE) | 24.3462% | 134 |
| Retained earnings to average equity (ytd only) | 12.8549% | 411 |
| Net charge-offs to loans | 0.0518% | 1,289 |
| Credit loss provision to net charge-offs | 1,012.6582% | 528 |
| Earnings coverage of net charge-offs (x) | 67.2405% | 1,106 |
| Efficiency ratio | 54.3289% | 3,895 |
| Assets per employee ($millions) | 5.4533% | 3,304 |
| Cash dividends to net income (ytd only)* | 47.1995% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 1,183 |
| Loan loss allowance to noncurrent loans | 311.1515% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 1,736 |
| Noncurrent loans to loans | 0.5259% | 1,814 |
| Net loans and leases to total assets | 69.0152% | 1,145 |
| Net loans and leases to deposits | 76.8012% | 1,509 |
| Net loans and leases to core deposits | 81.0992% | 1,513 |
| Total domestic deposits to total assets | 89.8621% | 1,022 |
| Equity capital to assets | 8.8816% | 3,739 |
| Core capital (leverage) ratio | 10.7747% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,762,600 | 3,020 |
| Average earning assets | $193,742,400 | 3,004 |
| Average equity | $18,553,200 | 3,342 |
| Average total loans | $152,399,400 | 2,613 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 428 |
| Cost of funding earning assets | 0.2503% | 3,124 |
| Net interest margin | 4.5268% | 298 |
| Noninterest income to average assets | 1.7002% | 440 |
| Noninterest expense to average assets | 3.0182% | 938 |
| Loan and lease loss provision to assets | 0.4009% | 157 |
| Net operating income to assets | 2.5460% | 204 |
| Return on assets (ROA) | 2.5493% | 207 |
| Pretax return on assets | 2.5493% | 317 |
| Return on Equity (ROE) | 28.1553% | 110 |
| Retained earnings to average equity (ytd only) | 12.5598% | 710 |
| Net charge-offs to loans | 0.0300% | 1,454 |
| Credit loss provision to net charge-offs | 1,779.4118% | 353 |
| Earnings coverage of net charge-offs (x) | 130.8529% | 737 |
| Efficiency ratio | 50.5996% | 4,167 |
| Assets per employee ($millions) | 5.1209% | 3,578 |
| Cash dividends to net income (ytd only)* | 55.3910% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,518 |
| Loan loss allowance to noncurrent loans | 453.4709% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 2,484 |
| Noncurrent loans to loans | 0.3379% | 2,570 |
| Net loans and leases to total assets | 73.9824% | 697 |
| Net loans and leases to deposits | 82.8641% | 1,039 |
| Net loans and leases to core deposits | 87.7428% | 1,166 |
| Total domestic deposits to total assets | 89.2817% | 1,129 |
| Equity capital to assets | 9.1818% | 3,668 |
| Core capital (leverage) ratio | 10.4343% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,306,500 | 3,091 |
| Average earning assets | $189,652,500 | 3,069 |
| Average equity | $18,227,000 | 3,408 |
| Average total loans | $151,280,250 | 2,658 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 479 |
| Cost of funding earning assets | 0.2663% | 3,121 |
| Net interest margin | 4.5129% | 345 |
| Noninterest income to average assets | 0.4677% | 2,769 |
| Noninterest expense to average assets | 3.0238% | 944 |
| Loan and lease loss provision to assets | 0.4133% | 148 |
| Net operating income to assets | 1.2831% | 1,913 |
| Return on assets (ROA) | 1.2831% | 1,990 |
| Pretax return on assets | 1.2831% | 2,677 |
| Return on Equity (ROE) | 14.2420% | 1,340 |
| Retained earnings to average equity (ytd only) | 5.1799% | 3,124 |
| Net charge-offs to loans | 0.0201% | 1,537 |
| Credit loss provision to net charge-offs | 2,733.3333% | 222 |
| Earnings coverage of net charge-offs (x) | 112.2000% | 698 |
| Efficiency ratio | 64.0615% | 2,421 |
| Assets per employee ($millions) | 5.0967% | 3,567 |
| Cash dividends to net income (ytd only)* | 63.6292% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 1,715 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 2,265 |
| Noncurrent loans to loans | 0.4389% | 2,358 |
| Net loans and leases to total assets | 74.0084% | 756 |
| Net loans and leases to deposits | 82.5693% | 1,166 |
| Net loans and leases to core deposits | 87.2243% | 1,331 |
| Total domestic deposits to total assets | 89.6319% | 956 |
| Equity capital to assets | 8.8818% | 3,908 |
| Core capital (leverage) ratio | 9.9257% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,422,667 | 3,111 |
| Average earning assets | $186,975,333 | 3,091 |
| Average equity | $17,876,667 | 3,439 |
| Average total loans | $149,124,000 | 2,691 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 640 |
| Cost of funding earning assets | 0.3009% | 2,984 |
| Net interest margin | 4.3167% | 504 |
| Noninterest income to average assets | 0.4435% | 2,855 |
| Noninterest expense to average assets | 3.0434% | 922 |
| Loan and lease loss provision to assets | 0.4701% | 150 |
| Net operating income to assets | 1.0056% | 2,793 |
| Return on assets (ROA) | 1.0056% | 2,880 |
| Pretax return on assets | 1.0056% | 3,353 |
| Return on Equity (ROE) | 11.0801% | 2,338 |
| Retained earnings to average equity (ytd only) | 2.2971% | 3,951 |
| Net charge-offs to loans | 0.0054% | 1,709 |
| Credit loss provision to net charge-offs | 11,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 255 |
| Efficiency ratio | 67.3451% | 2,021 |
| Assets per employee ($millions) | 4.9275% | 3,738 |
| Cash dividends to net income (ytd only)* | 79.2683% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 2,027 |
| Loan loss allowance to noncurrent loans | 284.4993% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 2,303 |
| Noncurrent loans to loans | 0.4868% | 2,395 |
| Net loans and leases to total assets | 74.9224% | 725 |
| Net loans and leases to deposits | 83.9847% | 1,144 |
| Net loans and leases to core deposits | 90.8298% | 1,178 |
| Total domestic deposits to total assets | 89.2095% | 1,229 |
| Equity capital to assets | 9.0183% | 3,659 |
| Core capital (leverage) ratio | 9.6213% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,701,000 | 3,119 |
| Average earning assets | $184,769,500 | 3,096 |
| Average equity | $17,761,500 | 3,448 |
| Average total loans | $147,127,000 | 2,725 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 374 |
| Cost of funding earning assets | 0.5212% | 2,806 |
| Net interest margin | 4.6219% | 255 |
| Noninterest income to average assets | 0.6547% | 2,007 |
| Noninterest expense to average assets | 3.3076% | 897 |
| Loan and lease loss provision to assets | 0.5168% | 458 |
| Net operating income to assets | 1.1792% | 1,617 |
| Return on assets (ROA) | 1.1792% | 1,729 |
| Pretax return on assets | 1.1792% | 2,401 |
| Return on Equity (ROE) | 12.1641% | 1,278 |
| Retained earnings to average equity (ytd only) | 6.0821% | 1,759 |
| Net charge-offs to loans | 0.5070% | 314 |
| Credit loss provision to net charge-offs | 137.4415% | 2,504 |
| Earnings coverage of net charge-offs (x) | 4.5101% | 2,971 |
| Efficiency ratio | 66.1039% | 2,512 |
| Assets per employee ($millions) | 4.7391% | 3,677 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,525 |
| Loan loss allowance to noncurrent loans | 188.1753% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 2,031 |
| Noncurrent loans to loans | 0.6789% | 1,989 |
| Net loans and leases to total assets | 73.4228% | 1,099 |
| Net loans and leases to deposits | 82.3493% | 1,624 |
| Net loans and leases to core deposits | 90.5629% | 1,485 |
| Total domestic deposits to total assets | 89.1602% | 914 |
| Equity capital to assets | 9.1342% | 3,947 |
| Core capital (leverage) ratio | 9.8038% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,457,200 | 3,190 |
| Average earning assets | $160,388,800 | 3,164 |
| Average equity | $16,524,000 | 3,504 |
| Average total loans | $126,428,200 | 2,902 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2796% | 354 |
| Cost of funding earning assets | 0.5869% | 2,691 |
| Net interest margin | 4.6927% | 261 |
| Noninterest income to average assets | 0.5617% | 2,343 |
| Noninterest expense to average assets | 3.3443% | 849 |
| Loan and lease loss provision to assets | 0.5131% | 562 |
| Net operating income to assets | 1.0983% | 1,987 |
| Return on assets (ROA) | 1.0983% | 2,114 |
| Pretax return on assets | 1.0983% | 2,752 |
| Return on Equity (ROE) | 11.1396% | 1,632 |
| Retained earnings to average equity (ytd only) | 2.8774% | 3,564 |
| Net charge-offs to loans | 0.6748% | 212 |
| Credit loss provision to net charge-offs | 102.5932% | 2,603 |
| Earnings coverage of net charge-offs (x) | 3.2220% | 2,927 |
| Efficiency ratio | 67.4845% | 2,252 |
| Assets per employee ($millions) | 4.2593% | 4,082 |
| Cash dividends to net income (ytd only)* | 74.1697% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,759 |
| Loan loss allowance to noncurrent loans | 161.8146% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 1,903 |
| Noncurrent loans to loans | 0.7315% | 1,977 |
| Net loans and leases to total assets | 77.5932% | 882 |
| Net loans and leases to deposits | 87.9043% | 1,495 |
| Net loans and leases to core deposits | 96.3063% | 1,431 |
| Total domestic deposits to total assets | 88.2701% | 1,080 |
| Equity capital to assets | 9.5350% | 3,658 |
| Core capital (leverage) ratio | 9.7368% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,496,000 | 3,222 |
| Average earning assets | $154,022,250 | 3,202 |
| Average equity | $16,218,000 | 3,529 |
| Average total loans | $121,908,250 | 2,972 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7096% | 227 |
| Cost of funding earning assets | 0.6454% | 2,727 |
| Net interest margin | 5.0642% | 178 |
| Noninterest income to average assets | 0.5850% | 2,188 |
| Noninterest expense to average assets | 3.3918% | 865 |
| Loan and lease loss provision to assets | 0.8073% | 303 |
| Net operating income to assets | 1.1513% | 1,794 |
| Return on assets (ROA) | 1.1513% | 1,926 |
| Pretax return on assets | 1.1513% | 2,542 |
| Return on Equity (ROE) | 11.5127% | 1,476 |
| Retained earnings to average equity (ytd only) | 1.6393% | 3,894 |
| Net charge-offs to loans | 1.0613% | 134 |
| Credit loss provision to net charge-offs | 104.8387% | 2,366 |
| Earnings coverage of net charge-offs (x) | 2.5435% | 2,764 |
| Efficiency ratio | 63.3937% | 2,900 |
| Assets per employee ($millions) | 4.5866% | 3,668 |
| Cash dividends to net income (ytd only)* | 85.7605% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,209 |
| Loan loss allowance to noncurrent loans | 157.3077% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 1,941 |
| Noncurrent loans to loans | 0.8005% | 1,893 |
| Net loans and leases to total assets | 71.7197% | 1,766 |
| Net loans and leases to deposits | 80.6759% | 2,355 |
| Net loans and leases to core deposits | 87.5909% | 2,291 |
| Total domestic deposits to total assets | 88.8985% | 787 |
| Equity capital to assets | 9.1812% | 3,942 |
| Core capital (leverage) ratio | 9.5075% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,035,667 | 3,238 |
| Average earning assets | $151,535,333 | 3,208 |
| Average equity | $16,104,000 | 3,544 |
| Average total loans | $116,836,333 | 3,018 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4217% | 445 |
| Cost of funding earning assets | 0.7559% | 2,630 |
| Net interest margin | 4.6657% | 362 |
| Noninterest income to average assets | 0.6837% | 1,711 |
| Noninterest expense to average assets | 3.5447% | 871 |
| Loan and lease loss provision to assets | 0.2630% | 1,185 |
| Net operating income to assets | 1.3069% | 1,228 |
| Return on assets (ROA) | 1.3069% | 1,326 |
| Pretax return on assets | 1.3069% | 1,853 |
| Return on Equity (ROE) | 12.4682% | 998 |
| Retained earnings to average equity (ytd only) | 3.0606% | 3,054 |
| Net charge-offs to loans | 1.3709% | 107 |
| Credit loss provision to net charge-offs | 26.4550% | 2,173 |
| Earnings coverage of net charge-offs (x) | 1.5794% | 2,373 |
| Efficiency ratio | 69.3059% | 2,463 |
| Assets per employee ($millions) | 3.9744% | 3,946 |
| Cash dividends to net income (ytd only)* | 75.4527% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 2,788 |
| Loan loss allowance to noncurrent loans | 143.3045% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 1,993 |
| Noncurrent loans to loans | 0.8215% | 1,965 |
| Net loans and leases to total assets | 73.7572% | 1,650 |
| Net loans and leases to deposits | 84.5829% | 2,160 |
| Net loans and leases to core deposits | 92.3719% | 2,121 |
| Total domestic deposits to total assets | 87.2010% | 1,467 |
| Equity capital to assets | 10.5987% | 3,230 |
| Core capital (leverage) ratio | 10.5518% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,115,000 | 3,301 |
| Average earning assets | $144,457,000 | 3,243 |
| Average equity | $15,944,500 | 3,559 |
| Average total loans | $110,291,500 | 3,074 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6911% | 409 |
| Cost of funding earning assets | 0.7294% | 3,021 |
| Net interest margin | 4.9617% | 289 |
| Noninterest income to average assets | 1.0529% | 853 |
| Noninterest expense to average assets | 3.9314% | 576 |
| Loan and lease loss provision to assets | 0.2230% | 869 |
| Net operating income to assets | 1.5082% | 1,030 |
| Return on assets (ROA) | 1.5082% | 1,094 |
| Pretax return on assets | 1.5082% | 1,787 |
| Return on Equity (ROE) | 14.3843% | 821 |
| Retained earnings to average equity (ytd only) | 7.0013% | 1,391 |
| Net charge-offs to loans | 0.0804% | 1,956 |
| Credit loss provision to net charge-offs | 371.4286% | 747 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 1,619 |
| Efficiency ratio | 69.4269% | 2,259 |
| Assets per employee ($millions) | 3.8301% | 4,123 |
| Cash dividends to net income (ytd only)* | 51.3270% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,263 |
| Loan loss allowance to noncurrent loans | 179.3296% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 1,978 |
| Noncurrent loans to loans | 0.8298% | 1,849 |
| Net loans and leases to total assets | 69.3574% | 2,496 |
| Net loans and leases to deposits | 79.2324% | 2,877 |
| Net loans and leases to core deposits | 85.5697% | 2,819 |
| Total domestic deposits to total assets | 87.5367% | 1,350 |
| Equity capital to assets | 10.3667% | 3,574 |
| Core capital (leverage) ratio | 10.7860% | 2,688 |
| Tier 1 risk-based capital ratio | 14.1731% | 3,175 |
| Total risk-based capital ratio | 15.4258% | 3,088 |
| Memoranda: | ||
| Average total assets | $139,897,600 | 3,434 |
| Average earning assets | $129,975,400 | 3,425 |
| Average equity | $14,668,800 | 3,665 |
| Average total loans | $104,532,400 | 3,163 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6988% | 412 |
| Cost of funding earning assets | 0.7166% | 3,126 |
| Net interest margin | 4.9822% | 300 |
| Noninterest income to average assets | 0.8659% | 1,224 |
| Noninterest expense to average assets | 3.9802% | 540 |
| Loan and lease loss provision to assets | 0.2284% | 744 |
| Net operating income to assets | 1.2594% | 1,989 |
| Return on assets (ROA) | 1.2594% | 2,070 |
| Pretax return on assets | 1.2594% | 2,784 |
| Return on Equity (ROE) | 11.9729% | 1,628 |
| Retained earnings to average equity (ytd only) | 1.9212% | 4,304 |
| Net charge-offs to loans | 0.0797% | 1,686 |
| Credit loss provision to net charge-offs | 377.4194% | 803 |
| Earnings coverage of net charge-offs (x) | 24.5820% | 1,792 |
| Efficiency ratio | 72.7906% | 1,728 |
| Assets per employee ($millions) | 3.7940% | 4,169 |
| Cash dividends to net income (ytd only)* | 83.9531% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,479 |
| Loan loss allowance to noncurrent loans | 259.4640% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 2,585 |
| Noncurrent loans to loans | 0.5500% | 2,647 |
| Net loans and leases to total assets | 74.2197% | 1,770 |
| Net loans and leases to deposits | 84.9447% | 2,328 |
| Net loans and leases to core deposits | 92.1059% | 2,353 |
| Total domestic deposits to total assets | 87.3741% | 1,328 |
| Equity capital to assets | 10.1830% | 3,840 |
| Core capital (leverage) ratio | 10.6735% | 2,954 |
| Tier 1 risk-based capital ratio | 13.5358% | 3,551 |
| Total risk-based capital ratio | 14.7881% | 3,461 |
| Memoranda: | ||
| Average total assets | $136,571,500 | 3,518 |
| Average earning assets | $126,152,250 | 3,517 |
| Average equity | $14,365,500 | 3,734 |
| Average total loans | $103,700,000 | 3,213 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7902% | 342 |
| Cost of funding earning assets | 0.6735% | 3,307 |
| Net interest margin | 5.1166% | 229 |
| Noninterest income to average assets | 0.9803% | 909 |
| Noninterest expense to average assets | 4.1167% | 459 |
| Loan and lease loss provision to assets | 0.2328% | 692 |
| Net operating income to assets | 1.3235% | 1,683 |
| Return on assets (ROA) | 1.3235% | 1,738 |
| Pretax return on assets | 1.3235% | 2,461 |
| Return on Equity (ROE) | 12.4401% | 1,435 |
| Retained earnings to average equity (ytd only) | 0.1963% | 4,641 |
| Net charge-offs to loans | 0.1058% | 1,339 |
| Credit loss provision to net charge-offs | 288.8889% | 929 |
| Earnings coverage of net charge-offs (x) | 19.3148% | 1,822 |
| Efficiency ratio | 72.5671% | 1,832 |
| Assets per employee ($millions) | 3.5199% | 4,479 |
| Cash dividends to net income (ytd only)* | 98.4216% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,570 |
| Loan loss allowance to noncurrent loans | 206.5642% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 2,191 |
| Noncurrent loans to loans | 0.6834% | 2,268 |
| Net loans and leases to total assets | 77.2270% | 1,351 |
| Net loans and leases to deposits | 89.7406% | 1,768 |
| Net loans and leases to core deposits | 97.6028% | 1,919 |
| Total domestic deposits to total assets | 86.0558% | 2,006 |
| Equity capital to assets | 10.7772% | 3,285 |
| Core capital (leverage) ratio | 10.6589% | 2,928 |
| Tier 1 risk-based capital ratio | 14.0279% | 3,302 |
| Total risk-based capital ratio | 15.2799% | 3,218 |
| Memoranda: | ||
| Average total assets | $134,038,000 | 3,566 |
| Average earning assets | $122,932,000 | 3,582 |
| Average equity | $14,260,330 | 3,755 |
| Average total loans | $102,082,330 | 3,259 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7247% | 350 |
| Cost of funding earning assets | 0.6090% | 3,517 |
| Net interest margin | 5.1157% | 236 |
| Noninterest income to average assets | 1.2819% | 515 |
| Noninterest expense to average assets | 4.0364% | 515 |
| Loan and lease loss provision to assets | 0.2325% | 648 |
| Net operating income to assets | 1.6456% | 816 |
| Return on assets (ROA) | 1.6456% | 846 |
| Pretax return on assets | 1.6456% | 1,357 |
| Return on Equity (ROE) | 15.5679% | 653 |
| Retained earnings to average equity (ytd only) | 2.5100% | 3,922 |
| Net charge-offs to loans | 0.3891% | 396 |
| Credit loss provision to net charge-offs | 79.5918% | 1,783 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,199 |
| Efficiency ratio | 68.2460% | 2,607 |
| Assets per employee ($millions) | 3.5635% | 4,506 |
| Cash dividends to net income (ytd only)* | 83.8768% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 1,926 |
| Loan loss allowance to noncurrent loans | 253.8318% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 2,723 |
| Noncurrent loans to loans | 0.5271% | 2,739 |
| Net loans and leases to total assets | 73.9506% | 1,816 |
| Net loans and leases to deposits | 85.3953% | 2,198 |
| Net loans and leases to core deposits | 91.6192% | 2,335 |
| Total domestic deposits to total assets | 86.5979% | 2,008 |
| Equity capital to assets | 10.5847% | 3,265 |
| Core capital (leverage) ratio | 10.9633% | 2,605 |
| Tier 1 risk-based capital ratio | 14.2550% | 3,213 |
| Total risk-based capital ratio | 15.5058% | 3,148 |
| Memoranda: | ||
| Average total assets | $134,179,500 | 3,605 |
| Average earning assets | $121,508,000 | 3,637 |
| Average equity | $14,183,000 | 3,773 |
| Average total loans | $100,736,500 | 3,314 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5080% | 391 |
| Cost of funding earning assets | 0.4322% | 3,789 |
| Net interest margin | 5.0758% | 231 |
| Noninterest income to average assets | 0.7741% | 1,554 |
| Noninterest expense to average assets | 3.9412% | 581 |
| Loan and lease loss provision to assets | 0.1869% | 1,032 |
| Net operating income to assets | 1.2934% | 1,834 |
| Return on assets (ROA) | 1.2248% | 2,058 |
| Pretax return on assets | 1.2248% | 2,793 |
| Return on Equity (ROE) | 12.5239% | 1,534 |
| Retained earnings to average equity (ytd only) | 6.5124% | 1,916 |
| Net charge-offs to loans | 0.0732% | 2,073 |
| Credit loss provision to net charge-offs | 359.4203% | 893 |
| Earnings coverage of net charge-offs (x) | 28.4638% | 1,649 |
| Efficiency ratio | 72.6957% | 1,811 |
| Assets per employee ($millions) | 3.5932% | 4,457 |
| Cash dividends to net income (ytd only)* | 48.0000% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,726 |
| Loan loss allowance to noncurrent loans | 164.1240% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 2,117 |
| Noncurrent loans to loans | 0.8392% | 1,928 |
| Net loans and leases to total assets | 74.1649% | 1,913 |
| Net loans and leases to deposits | 87.0594% | 2,158 |
| Net loans and leases to core deposits | 94.4689% | 2,191 |
| Total domestic deposits to total assets | 85.1888% | 2,564 |
| Equity capital to assets | 10.5553% | 3,124 |
| Core capital (leverage) ratio | 10.8357% | 2,692 |
| Tier 1 risk-based capital ratio | 14.3129% | 3,163 |
| Total risk-based capital ratio | 15.5646% | 3,073 |
| Memoranda: | ||
| Average total assets | $132,676,800 | 3,613 |
| Average earning assets | $121,478,400 | 3,621 |
| Average equity | $12,975,200 | 3,887 |
| Average total loans | $94,244,600 | 3,403 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 486 |
| Cost of funding earning assets | 0.4018% | 3,844 |
| Net interest margin | 4.9404% | 288 |
| Noninterest income to average assets | 0.8234% | 1,402 |
| Noninterest expense to average assets | 3.9483% | 559 |
| Loan and lease loss provision to assets | 0.1709% | 1,092 |
| Net operating income to assets | 1.2779% | 1,940 |
| Return on assets (ROA) | 1.2779% | 1,940 |
| Pretax return on assets | 1.2779% | 2,697 |
| Return on Equity (ROE) | 13.3322% | 1,316 |
| Retained earnings to average equity (ytd only) | 7.2483% | 2,001 |
| Net charge-offs to loans | 0.0718% | 1,810 |
| Credit loss provision to net charge-offs | 340.0000% | 922 |
| Earnings coverage of net charge-offs (x) | 28.8179% | 1,649 |
| Efficiency ratio | 73.1557% | 1,712 |
| Assets per employee ($millions) | 3.5423% | 4,509 |
| Cash dividends to net income (ytd only)* | 45.6332% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,735 |
| Loan loss allowance to noncurrent loans | 156.6508% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 2,196 |
| Noncurrent loans to loans | 0.8884% | 1,921 |
| Net loans and leases to total assets | 71.3043% | 2,446 |
| Net loans and leases to deposits | 81.8919% | 2,831 |
| Net loans and leases to core deposits | 89.1270% | 2,738 |
| Total domestic deposits to total assets | 87.0713% | 1,697 |
| Equity capital to assets | 9.8783% | 3,760 |
| Core capital (leverage) ratio | 10.1746% | 3,437 |
| Tier 1 risk-based capital ratio | 13.7571% | 3,484 |
| Total risk-based capital ratio | 15.0081% | 3,404 |
| Memoranda: | ||
| Average total assets | $132,609,250 | 3,647 |
| Average earning assets | $122,767,000 | 3,641 |
| Average equity | $12,710,750 | 3,955 |
| Average total loans | $92,811,500 | 3,454 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 483 |
| Cost of funding earning assets | 0.3774% | 3,888 |
| Net interest margin | 4.9080% | 295 |
| Noninterest income to average assets | 0.7887% | 1,502 |
| Noninterest expense to average assets | 3.9212% | 591 |
| Loan and lease loss provision to assets | 0.1352% | 1,455 |
| Net operating income to assets | 1.2650% | 1,913 |
| Return on assets (ROA) | 1.2650% | 1,916 |
| Pretax return on assets | 1.2650% | 2,647 |
| Return on Equity (ROE) | 13.3312% | 1,256 |
| Retained earnings to average equity (ytd only) | 4.1482% | 3,538 |
| Net charge-offs to loans | 0.0911% | 1,434 |
| Credit loss provision to net charge-offs | 214.2857% | 1,241 |
| Earnings coverage of net charge-offs (x) | 22.1905% | 1,752 |
| Efficiency ratio | 73.6872% | 1,750 |
| Assets per employee ($millions) | 3.6753% | 4,380 |
| Cash dividends to net income (ytd only)* | 68.8836% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 1,999 |
| Loan loss allowance to noncurrent loans | 115.7993% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 1,771 |
| Noncurrent loans to loans | 1.1546% | 1,508 |
| Net loans and leases to total assets | 67.6148% | 2,926 |
| Net loans and leases to deposits | 80.2931% | 2,919 |
| Net loans and leases to core deposits | 87.0256% | 2,817 |
| Total domestic deposits to total assets | 84.2100% | 2,988 |
| Equity capital to assets | 9.3069% | 4,276 |
| Core capital (leverage) ratio | 9.6690% | 3,918 |
| Tier 1 risk-based capital ratio | 13.1390% | 3,828 |
| Total risk-based capital ratio | 14.3838% | 3,743 |
| Memoranda: | ||
| Average total assets | $133,124,000 | 3,661 |
| Average earning assets | $122,941,000 | 3,658 |
| Average equity | $12,632,000 | 3,990 |
| Average total loans | $92,157,330 | 3,478 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2125% | 477 |
| Cost of funding earning assets | 0.3436% | 4,037 |
| Net interest margin | 4.8690% | 297 |
| Noninterest income to average assets | 0.7533% | 1,611 |
| Noninterest expense to average assets | 3.9303% | 568 |
| Loan and lease loss provision to assets | 0.1367% | 1,379 |
| Net operating income to assets | 1.2058% | 1,977 |
| Return on assets (ROA) | 1.2058% | 1,987 |
| Pretax return on assets | 1.2058% | 2,726 |
| Return on Equity (ROE) | 12.5832% | 1,383 |
| Retained earnings to average equity (ytd only) | 6.8780% | 2,333 |
| Net charge-offs to loans | 0.1004% | 1,186 |
| Credit loss provision to net charge-offs | 195.6522% | 1,059 |
| Earnings coverage of net charge-offs (x) | 19.2174% | 1,510 |
| Efficiency ratio | 74.5392% | 1,815 |
| Assets per employee ($millions) | 3.7548% | 4,346 |
| Cash dividends to net income (ytd only)* | 45.3401% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,170 |
| Loan loss allowance to noncurrent loans | 58.1429% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.6069% | 840 |
| Noncurrent loans to loans | 2.2628% | 650 |
| Net loans and leases to total assets | 67.7557% | 2,791 |
| Net loans and leases to deposits | 80.3753% | 2,767 |
| Net loans and leases to core deposits | 87.3104% | 2,693 |
| Total domestic deposits to total assets | 84.2991% | 3,196 |
| Equity capital to assets | 9.3297% | 4,242 |
| Core capital (leverage) ratio | 9.0774% | 4,594 |
| Tier 1 risk-based capital ratio | 13.0990% | 3,898 |
| Total risk-based capital ratio | 14.3193% | 3,824 |
| Memoranda: | ||
| Average total assets | $131,693,500 | 3,719 |
| Average earning assets | $122,243,500 | 3,709 |
| Average equity | $12,620,000 | 4,028 |
| Average total loans | $91,640,000 | 3,511 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 515 |
| Cost of funding earning assets | 0.2403% | 4,644 |
| Net interest margin | 4.8770% | 292 |
| Noninterest income to average assets | 0.7044% | 1,944 |
| Noninterest expense to average assets | 3.9445% | 581 |
| Loan and lease loss provision to assets | 0.1479% | 1,538 |
| Net operating income to assets | 1.0833% | 1,920 |
| Return on assets (ROA) | 1.0874% | 1,923 |
| Pretax return on assets | 1.0874% | 3,235 |
| Return on Equity (ROE) | 10.7845% | 1,558 |
| Retained earnings to average equity (ytd only) | 4.9154% | 2,179 |
| Net charge-offs to loans | 0.1155% | 1,894 |
| Credit loss provision to net charge-offs | 183.6735% | 1,478 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 2,257 |
| Efficiency ratio | 76.2109% | 1,585 |
| Assets per employee ($millions) | 3.5616% | 4,619 |
| Cash dividends to net income (ytd only)* | 54.4218% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 2,096 |
| Loan loss allowance to noncurrent loans | 115.9729% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 1,867 |
| Noncurrent loans to loans | 1.1418% | 1,557 |
| Net loans and leases to total assets | 69.6286% | 2,579 |
| Net loans and leases to deposits | 83.4712% | 2,556 |
| Net loans and leases to core deposits | 89.4727% | 2,615 |
| Total domestic deposits to total assets | 83.4163% | 3,418 |
| Equity capital to assets | 9.8498% | 3,868 |
| Core capital (leverage) ratio | 9.7332% | 3,764 |
| Tier 1 risk-based capital ratio | 13.5137% | 3,620 |
| Total risk-based capital ratio | 14.7633% | 3,529 |
| Memoranda: | ||
| Average total assets | $121,664,600 | 3,864 |
| Average earning assets | $111,543,600 | 3,891 |
| Average equity | $12,267,600 | 4,096 |
| Average total loans | $84,837,800 | 3,640 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 509 |
| Cost of funding earning assets | 0.2113% | 4,876 |
| Net interest margin | 4.8829% | 284 |
| Noninterest income to average assets | 0.7132% | 1,943 |
| Noninterest expense to average assets | 3.9390% | 562 |
| Loan and lease loss provision to assets | 0.1500% | 1,394 |
| Net operating income to assets | 1.0908% | 2,125 |
| Return on assets (ROA) | 1.0964% | 2,158 |
| Pretax return on assets | 1.0964% | 3,314 |
| Return on Equity (ROE) | 10.8068% | 1,771 |
| Retained earnings to average equity (ytd only) | 2.9234% | 4,164 |
| Net charge-offs to loans | 0.1263% | 1,520 |
| Credit loss provision to net charge-offs | 170.8861% | 1,526 |
| Earnings coverage of net charge-offs (x) | 14.1394% | 2,313 |
| Efficiency ratio | 76.0455% | 1,582 |
| Assets per employee ($millions) | 3.4294% | 4,831 |
| Cash dividends to net income (ytd only)* | 72.9485% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,196 |
| Loan loss allowance to noncurrent loans | 128.0874% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 2,210 |
| Noncurrent loans to loans | 1.0400% | 1,860 |
| Net loans and leases to total assets | 70.3165% | 2,510 |
| Net loans and leases to deposits | 86.6162% | 2,224 |
| Net loans and leases to core deposits | 94.3260% | 2,241 |
| Total domestic deposits to total assets | 81.1816% | 3,998 |
| Equity capital to assets | 10.0981% | 3,805 |
| Core capital (leverage) ratio | 10.5060% | 2,982 |
| Tier 1 risk-based capital ratio | 13.6921% | 3,584 |
| Total risk-based capital ratio | 14.9422% | 3,516 |
| Memoranda: | ||
| Average total assets | $120,026,750 | 3,936 |
| Average earning assets | $109,796,500 | 3,957 |
| Average equity | $12,177,250 | 4,144 |
| Average total loans | $83,429,000 | 3,697 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 497 |
| Cost of funding earning assets | 0.1838% | 5,108 |
| Net interest margin | 4.8920% | 269 |
| Noninterest income to average assets | 0.6898% | 2,035 |
| Noninterest expense to average assets | 4.0258% | 511 |
| Loan and lease loss provision to assets | 0.1514% | 1,333 |
| Net operating income to assets | 0.9455% | 2,689 |
| Return on assets (ROA) | 0.9539% | 2,698 |
| Pretax return on assets | 0.9539% | 3,754 |
| Return on Equity (ROE) | 9.3869% | 2,319 |
| Retained earnings to average equity (ytd only) | 0.4470% | 4,984 |
| Net charge-offs to loans | -0.0391% | 5,064 |
| Credit loss provision to net charge-offs | -562.5000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5878% | 1,384 |
| Assets per employee ($millions) | 3.2474% | 5,037 |
| Cash dividends to net income (ytd only)* | 95.2381% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 1,932 |
| Loan loss allowance to noncurrent loans | 159.6606% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 2,497 |
| Noncurrent loans to loans | 0.8803% | 2,216 |
| Net loans and leases to total assets | 73.3829% | 1,978 |
| Net loans and leases to deposits | 87.7592% | 2,018 |
| Net loans and leases to core deposits | 95.7830% | 2,000 |
| Total domestic deposits to total assets | 83.6185% | 3,357 |
| Equity capital to assets | 10.4597% | 3,395 |
| Core capital (leverage) ratio | 10.7992% | 2,598 |
| Tier 1 risk-based capital ratio | 13.6764% | 3,604 |
| Total risk-based capital ratio | 14.9282% | 3,520 |
| Memoranda: | ||
| Average total assets | $118,882,670 | 3,979 |
| Average earning assets | $107,726,330 | 4,023 |
| Average equity | $12,080,670 | 4,171 |
| Average total loans | $81,910,670 | 3,748 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 500 |
| Cost of funding earning assets | 0.1800% | 5,152 |
| Net interest margin | 4.8476% | 287 |
| Noninterest income to average assets | 0.6374% | 2,237 |
| Noninterest expense to average assets | 4.0377% | 519 |
| Loan and lease loss provision to assets | 0.1502% | 1,233 |
| Net operating income to assets | 0.7642% | 3,407 |
| Return on assets (ROA) | 0.7808% | 3,361 |
| Pretax return on assets | 0.7808% | 4,181 |
| Return on Equity (ROE) | 7.7955% | 3,025 |
| Retained earnings to average equity (ytd only) | 1.7990% | 4,396 |
| Net charge-offs to loans | 0.0050% | 2,801 |
| Credit loss provision to net charge-offs | 4,500.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 214 |
| Efficiency ratio | 81.5364% | 1,201 |
| Assets per employee ($millions) | 3.2329% | 5,122 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 1,897 |
| Loan loss allowance to noncurrent loans | 164.4476% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 2,718 |
| Noncurrent loans to loans | 0.8764% | 2,280 |
| Net loans and leases to total assets | 68.2213% | 2,642 |
| Net loans and leases to deposits | 77.2126% | 3,054 |
| Net loans and leases to core deposits | 83.8189% | 2,919 |
| Total domestic deposits to total assets | 88.3551% | 1,504 |
| Equity capital to assets | 10.4016% | 3,289 |
| Core capital (leverage) ratio | 10.6834% | 2,699 |
| Tier 1 risk-based capital ratio | 14.1054% | 3,409 |
| Total risk-based capital ratio | 15.3560% | 3,334 |
| Memoranda: | ||
| Average total assets | $119,871,000 | 3,998 |
| Average earning assets | $106,692,500 | 4,072 |
| Average equity | $12,007,000 | 4,214 |
| Average total loans | $79,360,000 | 3,824 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 470 |
| Cost of funding earning assets | 0.1880% | 5,128 |
| Net interest margin | 4.9428% | 276 |
| Noninterest income to average assets | 0.8612% | 1,537 |
| Noninterest expense to average assets | 4.0623% | 552 |
| Loan and lease loss provision to assets | 0.1579% | 1,576 |
| Net operating income to assets | 1.1384% | 1,736 |
| Return on assets (ROA) | 1.1410% | 1,822 |
| Pretax return on assets | 1.1410% | 2,933 |
| Return on Equity (ROE) | 10.9161% | 1,610 |
| Retained earnings to average equity (ytd only) | 4.8749% | 2,427 |
| Net charge-offs to loans | 0.3825% | 705 |
| Credit loss provision to net charge-offs | 59.8007% | 3,252 |
| Earnings coverage of net charge-offs (x) | 4.9103% | 3,424 |
| Efficiency ratio | 75.8101% | 2,011 |
| Assets per employee ($millions) | 3.4266% | 4,860 |
| Cash dividends to net income (ytd only)* | 55.3420% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 1,965 |
| Loan loss allowance to noncurrent loans | 166.7164% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 2,143 |
| Noncurrent loans to loans | 0.8572% | 2,391 |
| Net loans and leases to total assets | 62.4550% | 3,554 |
| Net loans and leases to deposits | 70.0547% | 3,897 |
| Net loans and leases to core deposits | 75.0546% | 3,833 |
| Total domestic deposits to total assets | 89.1517% | 1,036 |
| Equity capital to assets | 9.6534% | 4,113 |
| Core capital (leverage) ratio | 10.7335% | 2,618 |
| Tier 1 risk-based capital ratio | 14.7396% | 3,078 |
| Total risk-based capital ratio | 15.9910% | 3,019 |
| Memoranda: | ||
| Average total assets | $114,024,200 | 4,090 |
| Average earning assets | $103,747,200 | 4,123 |
| Average equity | $11,918,200 | 4,258 |
| Average total loans | $78,694,400 | 3,834 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 465 |
| Cost of funding earning assets | 0.1877% | 5,201 |
| Net interest margin | 4.9497% | 283 |
| Noninterest income to average assets | 0.8953% | 1,423 |
| Noninterest expense to average assets | 4.2151% | 478 |
| Loan and lease loss provision to assets | 0.1612% | 1,436 |
| Net operating income to assets | 1.1161% | 1,931 |
| Return on assets (ROA) | 1.1197% | 2,026 |
| Pretax return on assets | 1.1197% | 3,151 |
| Return on Equity (ROE) | 10.4913% | 1,874 |
| Retained earnings to average equity (ytd only) | 2.4383% | 4,458 |
| Net charge-offs to loans | 0.5091% | 419 |
| Credit loss provision to net charge-offs | 44.8505% | 3,099 |
| Earnings coverage of net charge-offs (x) | 3.5548% | 3,397 |
| Efficiency ratio | 76.7442% | 1,868 |
| Assets per employee ($millions) | 3.0860% | 5,304 |
| Cash dividends to net income (ytd only)* | 76.7591% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 2,397 |
| Loan loss allowance to noncurrent loans | 92.4138% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.4384% | 1,276 |
| Noncurrent loans to loans | 1.4693% | 1,470 |
| Net loans and leases to total assets | 70.0973% | 2,473 |
| Net loans and leases to deposits | 79.9655% | 2,969 |
| Net loans and leases to core deposits | 86.4549% | 2,912 |
| Total domestic deposits to total assets | 87.6594% | 1,585 |
| Equity capital to assets | 10.8653% | 3,182 |
| Core capital (leverage) ratio | 10.6761% | 2,806 |
| Tier 1 risk-based capital ratio | 14.6455% | 3,215 |
| Total risk-based capital ratio | 15.8969% | 3,158 |
| Memoranda: | ||
| Average total assets | $111,691,250 | 4,160 |
| Average earning assets | $103,734,000 | 4,151 |
| Average equity | $11,920,750 | 4,300 |
| Average total loans | $78,828,250 | 3,856 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 470 |
| Cost of funding earning assets | 0.1868% | 5,263 |
| Net interest margin | 4.9419% | 293 |
| Noninterest income to average assets | 0.9438% | 1,256 |
| Noninterest expense to average assets | 4.2917% | 449 |
| Loan and lease loss provision to assets | 0.1609% | 1,412 |
| Net operating income to assets | 1.0779% | 2,052 |
| Return on assets (ROA) | 1.0779% | 2,178 |
| Pretax return on assets | 1.0779% | 3,290 |
| Return on Equity (ROE) | 10.1595% | 1,978 |
| Retained earnings to average equity (ytd only) | 1.0614% | 4,963 |
| Net charge-offs to loans | 0.7768% | 260 |
| Credit loss provision to net charge-offs | 29.4118% | 2,863 |
| Earnings coverage of net charge-offs (x) | 2.2647% | 3,299 |
| Efficiency ratio | 77.6018% | 1,850 |
| Assets per employee ($millions) | 3.0305% | 5,389 |
| Cash dividends to net income (ytd only)* | 89.5522% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,878 |
| Loan loss allowance to noncurrent loans | 93.7615% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 1,738 |
| Noncurrent loans to loans | 1.3698% | 1,636 |
| Net loans and leases to total assets | 71.9979% | 2,169 |
| Net loans and leases to deposits | 82.1548% | 2,691 |
| Net loans and leases to core deposits | 89.2065% | 2,617 |
| Total domestic deposits to total assets | 87.6369% | 1,608 |
| Equity capital to assets | 10.9873% | 3,072 |
| Core capital (leverage) ratio | 10.7208% | 2,725 |
| Tier 1 risk-based capital ratio | 14.5512% | 3,290 |
| Total risk-based capital ratio | 15.8011% | 3,226 |
| Memoranda: | ||
| Average total assets | $111,889,330 | 4,188 |
| Average earning assets | $103,846,000 | 4,178 |
| Average equity | $11,870,670 | 4,340 |
| Average total loans | $78,788,330 | 3,874 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 443 |
| Cost of funding earning assets | 0.1866% | 5,311 |
| Net interest margin | 4.9745% | 264 |
| Noninterest income to average assets | 0.8262% | 1,536 |
| Noninterest expense to average assets | 4.1594% | 519 |
| Loan and lease loss provision to assets | 0.1589% | 1,314 |
| Net operating income to assets | 1.1193% | 1,835 |
| Return on assets (ROA) | 1.1193% | 1,935 |
| Pretax return on assets | 1.1193% | 3,019 |
| Return on Equity (ROE) | 10.7344% | 1,701 |
| Retained earnings to average equity (ytd only) | 4.6392% | 3,158 |
| Net charge-offs to loans | 0.8980% | 219 |
| Credit loss provision to net charge-offs | 25.5682% | 2,255 |
| Earnings coverage of net charge-offs (x) | 2.0568% | 2,736 |
| Efficiency ratio | 76.4935% | 2,109 |
| Assets per employee ($millions) | 3.0602% | 5,440 |
| Cash dividends to net income (ytd only)* | 56.7823% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,388 |
| Loan loss allowance to noncurrent loans | 65.6584% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6493% | 1,193 |
| Noncurrent loans to loans | 2.1439% | 971 |
| Net loans and leases to total assets | 70.3777% | 2,282 |
| Net loans and leases to deposits | 79.9920% | 2,788 |
| Net loans and leases to core deposits | 86.7725% | 2,677 |
| Total domestic deposits to total assets | 87.9810% | 1,654 |
| Equity capital to assets | 10.8154% | 3,149 |
| Core capital (leverage) ratio | 10.5978% | 2,852 |
| Tier 1 risk-based capital ratio | 14.7592% | 3,260 |
| Total risk-based capital ratio | 16.0102% | 3,197 |
| Memoranda: | ||
| Average total assets | $113,284,500 | 4,193 |
| Average earning assets | $105,015,000 | 4,188 |
| Average equity | $11,812,500 | 4,362 |
| Average total loans | $78,397,000 | 3,903 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 478 |
| Cost of funding earning assets | 0.1914% | 5,354 |
| Net interest margin | 4.9497% | 279 |
| Noninterest income to average assets | 0.8638% | 1,552 |
| Noninterest expense to average assets | 4.1893% | 547 |
| Loan and lease loss provision to assets | 0.2663% | 697 |
| Net operating income to assets | 0.9996% | 2,364 |
| Return on assets (ROA) | 1.0120% | 2,383 |
| Pretax return on assets | 1.0120% | 3,412 |
| Return on Equity (ROE) | 9.9832% | 2,016 |
| Retained earnings to average equity (ytd only) | 3.6780% | 3,435 |
| Net charge-offs to loans | 0.1123% | 2,252 |
| Credit loss provision to net charge-offs | 352.9412% | 847 |
| Earnings coverage of net charge-offs (x) | 16.7765% | 2,112 |
| Efficiency ratio | 76.7941% | 2,153 |
| Assets per employee ($millions) | 3.2334% | 5,256 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,666 |
| Loan loss allowance to noncurrent loans | 89.1931% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 1,617 |
| Noncurrent loans to loans | 1.7760% | 1,249 |
| Net loans and leases to total assets | 66.0779% | 2,966 |
| Net loans and leases to deposits | 74.3178% | 3,455 |
| Net loans and leases to core deposits | 80.2898% | 3,309 |
| Total domestic deposits to total assets | 88.9126% | 1,164 |
| Equity capital to assets | 10.0600% | 3,892 |
| Core capital (leverage) ratio | 10.0610% | 3,422 |
| Tier 1 risk-based capital ratio | 14.5432% | 3,422 |
| Total risk-based capital ratio | 15.7965% | 3,334 |
| Memoranda: | ||
| Average total assets | $112,643,200 | 4,205 |
| Average earning assets | $104,491,800 | 4,176 |
| Average equity | $11,419,200 | 4,403 |
| Average total loans | $75,669,800 | 3,953 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 452 |
| Cost of funding earning assets | 0.1928% | 5,442 |
| Net interest margin | 4.9839% | 264 |
| Noninterest income to average assets | 0.8749% | 1,526 |
| Noninterest expense to average assets | 4.2301% | 527 |
| Loan and lease loss provision to assets | 0.2686% | 605 |
| Net operating income to assets | 1.0038% | 2,449 |
| Return on assets (ROA) | 1.0038% | 2,544 |
| Pretax return on assets | 1.0038% | 3,600 |
| Return on Equity (ROE) | 9.8824% | 2,149 |
| Retained earnings to average equity (ytd only) | 1.4218% | 5,150 |
| Net charge-offs to loans | 0.0053% | 3,990 |
| Credit loss provision to net charge-offs | 7,500.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 355.3250% | 208 |
| Efficiency ratio | 76.8764% | 2,109 |
| Assets per employee ($millions) | 3.1344% | 5,387 |
| Cash dividends to net income (ytd only)* | 85.6124% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 1,579 |
| Loan loss allowance to noncurrent loans | 153.5142% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 2,702 |
| Noncurrent loans to loans | 1.0817% | 2,323 |
| Net loans and leases to total assets | 67.2106% | 2,817 |
| Net loans and leases to deposits | 76.2277% | 3,276 |
| Net loans and leases to core deposits | 81.9090% | 3,262 |
| Total domestic deposits to total assets | 88.1708% | 1,467 |
| Equity capital to assets | 10.4564% | 3,645 |
| Core capital (leverage) ratio | 10.4067% | 3,159 |
| Tier 1 risk-based capital ratio | 14.9724% | 3,307 |
| Total risk-based capital ratio | 16.2270% | 3,247 |
| Memoranda: | ||
| Average total assets | $111,703,500 | 4,270 |
| Average earning assets | $103,717,250 | 4,244 |
| Average equity | $11,346,500 | 4,471 |
| Average total loans | $75,048,750 | 4,003 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 449 |
| Cost of funding earning assets | 0.1957% | 5,476 |
| Net interest margin | 4.9757% | 261 |
| Noninterest income to average assets | 0.8401% | 1,634 |
| Noninterest expense to average assets | 4.2378% | 524 |
| Loan and lease loss provision to assets | 0.2777% | 586 |
| Net operating income to assets | 0.9397% | 2,690 |
| Return on assets (ROA) | 0.9397% | 2,812 |
| Pretax return on assets | 0.9397% | 3,811 |
| Return on Equity (ROE) | 9.3410% | 2,367 |
| Retained earnings to average equity (ytd only) | -0.2123% | 5,544 |
| Net charge-offs to loans | 0.0213% | 3,245 |
| Credit loss provision to net charge-offs | 1,950.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 670 |
| Efficiency ratio | 77.6835% | 2,111 |
| Assets per employee ($millions) | 3.1264% | 5,436 |
| Cash dividends to net income (ytd only)* | 102.2727% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 2,126 |
| Loan loss allowance to noncurrent loans | 161.6552% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 2,978 |
| Noncurrent loans to loans | 0.9513% | 2,745 |
| Net loans and leases to total assets | 68.5757% | 2,559 |
| Net loans and leases to deposits | 77.4532% | 3,099 |
| Net loans and leases to core deposits | 83.2121% | 3,059 |
| Total domestic deposits to total assets | 88.5383% | 1,390 |
| Equity capital to assets | 10.2234% | 3,781 |
| Core capital (leverage) ratio | 10.3054% | 3,214 |
| Tier 1 risk-based capital ratio | 14.8401% | 3,454 |
| Total risk-based capital ratio | 16.0932% | 3,386 |
| Memoranda: | ||
| Average total assets | $112,370,330 | 4,289 |
| Average earning assets | $104,226,330 | 4,263 |
| Average equity | $11,305,000 | 4,507 |
| Average total loans | $75,072,670 | 4,028 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 708 |
| Cost of funding earning assets | 0.1932% | 5,567 |
| Net interest margin | 4.7010% | 409 |
| Noninterest income to average assets | 0.7870% | 1,757 |
| Noninterest expense to average assets | 4.0758% | 636 |
| Loan and lease loss provision to assets | 0.2741% | 567 |
| Net operating income to assets | 0.7976% | 3,274 |
| Return on assets (ROA) | 0.7976% | 3,400 |
| Pretax return on assets | 0.7976% | 4,251 |
| Return on Equity (ROE) | 7.9901% | 2,962 |
| Retained earnings to average equity (ytd only) | 1.6543% | 4,811 |
| Net charge-offs to loans | 0.0107% | 2,974 |
| Credit loss provision to net charge-offs | 3,900.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 152.5000% | 353 |
| Efficiency ratio | 79.1809% | 2,007 |
| Assets per employee ($millions) | 3.2178% | 5,381 |
| Cash dividends to net income (ytd only)* | 79.2952% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 2,604 |
| Loan loss allowance to noncurrent loans | 130.5226% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 2,643 |
| Noncurrent loans to loans | 1.1209% | 2,532 |
| Net loans and leases to total assets | 65.7205% | 2,820 |
| Net loans and leases to deposits | 74.0140% | 3,312 |
| Net loans and leases to core deposits | 79.3297% | 3,244 |
| Total domestic deposits to total assets | 88.7946% | 1,393 |
| Equity capital to assets | 10.1612% | 3,929 |
| Core capital (leverage) ratio | 10.0400% | 3,547 |
| Tier 1 risk-based capital ratio | 15.8542% | 2,989 |
| Total risk-based capital ratio | 17.1075% | 2,927 |
| Memoranda: | ||
| Average total assets | $113,843,000 | 4,287 |
| Average earning assets | $105,594,000 | 4,260 |
| Average equity | $11,364,000 | 4,530 |
| Average total loans | $74,503,500 | 4,066 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 472 |
| Cost of funding earning assets | 0.2223% | 5,577 |
| Net interest margin | 5.0334% | 289 |
| Noninterest income to average assets | 0.8643% | 1,630 |
| Noninterest expense to average assets | 4.1608% | 628 |
| Loan and lease loss provision to assets | 0.2397% | 989 |
| Net operating income to assets | 1.1013% | 1,971 |
| Return on assets (ROA) | 1.1077% | 1,999 |
| Pretax return on assets | 1.1077% | 3,050 |
| Return on Equity (ROE) | 11.2845% | 1,624 |
| Retained earnings to average equity (ytd only) | 4.5475% | 2,936 |
| Net charge-offs to loans | 0.2843% | 1,527 |
| Credit loss provision to net charge-offs | 127.3171% | 1,881 |
| Earnings coverage of net charge-offs (x) | 7.1220% | 3,081 |
| Efficiency ratio | 75.6260% | 2,569 |
| Assets per employee ($millions) | 3.2875% | 5,280 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 3,021 |
| Loan loss allowance to noncurrent loans | 111.5594% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 2,650 |
| Noncurrent loans to loans | 1.2410% | 2,373 |
| Net loans and leases to total assets | 63.3293% | 3,314 |
| Net loans and leases to deposits | 70.9302% | 3,793 |
| Net loans and leases to core deposits | 75.6740% | 3,745 |
| Total domestic deposits to total assets | 89.2840% | 1,078 |
| Equity capital to assets | 9.8069% | 4,345 |
| Core capital (leverage) ratio | 10.3669% | 3,093 |
| Tier 1 risk-based capital ratio | 14.6582% | 3,690 |
| Total risk-based capital ratio | 15.9087% | 3,619 |
| Memoranda: | ||
| Average total assets | $108,874,400 | 4,399 |
| Average earning assets | $100,309,600 | 4,384 |
| Average equity | $10,687,200 | 4,621 |
| Average total loans | $72,114,000 | 4,120 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 423 |
| Cost of funding earning assets | 0.2313% | 5,581 |
| Net interest margin | 5.0992% | 248 |
| Noninterest income to average assets | 0.8808% | 1,587 |
| Noninterest expense to average assets | 4.2747% | 572 |
| Loan and lease loss provision to assets | 0.2907% | 685 |
| Net operating income to assets | 0.9988% | 2,454 |
| Return on assets (ROA) | 0.9988% | 2,519 |
| Pretax return on assets | 0.9988% | 3,597 |
| Return on Equity (ROE) | 10.1724% | 2,134 |
| Retained earnings to average equity (ytd only) | 1.0628% | 5,460 |
| Net charge-offs to loans | 0.2698% | 1,454 |
| Credit loss provision to net charge-offs | 161.3793% | 1,502 |
| Earnings coverage of net charge-offs (x) | 7.1586% | 2,967 |
| Efficiency ratio | 76.8252% | 2,371 |
| Assets per employee ($millions) | 3.0495% | 5,678 |
| Cash dividends to net income (ytd only)* | 89.5529% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 2,809 |
| Loan loss allowance to noncurrent loans | 120.5479% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 2,773 |
| Noncurrent loans to loans | 1.2302% | 2,587 |
| Net loans and leases to total assets | 65.7279% | 2,914 |
| Net loans and leases to deposits | 74.2907% | 3,400 |
| Net loans and leases to core deposits | 79.7372% | 3,343 |
| Total domestic deposits to total assets | 88.4738% | 1,512 |
| Equity capital to assets | 10.1592% | 3,982 |
| Core capital (leverage) ratio | 10.1661% | 3,452 |
| Tier 1 risk-based capital ratio | 15.1538% | 3,505 |
| Total risk-based capital ratio | 16.4068% | 3,437 |
| Memoranda: | ||
| Average total assets | $107,327,500 | 4,471 |
| Average earning assets | $98,575,750 | 4,482 |
| Average equity | $10,538,000 | 4,680 |
| Average total loans | $71,669,750 | 4,170 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 420 |
| Cost of funding earning assets | 0.2372% | 5,612 |
| Net interest margin | 5.0853% | 243 |
| Noninterest income to average assets | 0.9356% | 1,381 |
| Noninterest expense to average assets | 4.1999% | 600 |
| Loan and lease loss provision to assets | 0.2902% | 682 |
| Net operating income to assets | 1.1104% | 1,899 |
| Return on assets (ROA) | 1.1104% | 1,970 |
| Pretax return on assets | 1.1104% | 3,061 |
| Return on Equity (ROE) | 11.4408% | 1,589 |
| Retained earnings to average equity (ytd only) | 1.0923% | 5,322 |
| Net charge-offs to loans | 0.3676% | 1,112 |
| Credit loss provision to net charge-offs | 118.1818% | 1,738 |
| Earnings coverage of net charge-offs (x) | 5.7045% | 2,884 |
| Efficiency ratio | 74.9917% | 2,808 |
| Assets per employee ($millions) | 3.0638% | 5,663 |
| Cash dividends to net income (ytd only)* | 90.4523% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 3,368 |
| Loan loss allowance to noncurrent loans | 130.7794% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1694% | 2,740 |
| Noncurrent loans to loans | 1.0680% | 3,096 |
| Net loans and leases to total assets | 65.1730% | 2,884 |
| Net loans and leases to deposits | 74.1585% | 3,297 |
| Net loans and leases to core deposits | 79.6043% | 3,255 |
| Total domestic deposits to total assets | 87.8834% | 1,976 |
| Equity capital to assets | 9.9661% | 4,157 |
| Core capital (leverage) ratio | 10.0441% | 3,547 |
| Tier 1 risk-based capital ratio | 15.1225% | 3,570 |
| Total risk-based capital ratio | 16.3550% | 3,524 |
| Memoranda: | ||
| Average total assets | $107,526,330 | 4,501 |
| Average earning assets | $98,636,670 | 4,506 |
| Average equity | $10,436,330 | 4,721 |
| Average total loans | $71,823,670 | 4,168 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2411% | 454 |
| Cost of funding earning assets | 0.2275% | 5,774 |
| Net interest margin | 5.0136% | 264 |
| Noninterest income to average assets | 0.8953% | 1,404 |
| Noninterest expense to average assets | 4.1236% | 659 |
| Loan and lease loss provision to assets | 0.2861% | 696 |
| Net operating income to assets | 1.0699% | 1,931 |
| Return on assets (ROA) | 1.0699% | 1,997 |
| Pretax return on assets | 1.0699% | 3,032 |
| Return on Equity (ROE) | 11.1725% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.1897% | 3,610 |
| Net charge-offs to loans | 0.7027% | 512 |
| Credit loss provision to net charge-offs | 60.6299% | 2,094 |
| Earnings coverage of net charge-offs (x) | 2.8740% | 2,781 |
| Efficiency ratio | 75.2542% | 2,918 |
| Assets per employee ($millions) | 3.1871% | 5,545 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 4,381 |
| Loan loss allowance to noncurrent loans | 120.8169% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 2,913 |
| Noncurrent loans to loans | 1.0339% | 3,360 |
| Net loans and leases to total assets | 66.8992% | 2,410 |
| Net loans and leases to deposits | 76.5669% | 2,750 |
| Net loans and leases to core deposits | 82.1579% | 2,723 |
| Total domestic deposits to total assets | 87.3736% | 2,583 |
| Equity capital to assets | 9.7121% | 4,210 |
| Core capital (leverage) ratio | 10.1704% | 3,324 |
| Tier 1 risk-based capital ratio | 14.1685% | 4,214 |
| Total risk-based capital ratio | 15.3594% | 4,207 |
| Memoranda: | ||
| Average total assets | $107,673,000 | 4,538 |
| Average earning assets | $98,453,000 | 4,551 |
| Average equity | $10,311,000 | 4,762 |
| Average total loans | $72,297,000 | 4,191 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4935% | 366 |
| Cost of funding earning assets | 0.2672% | 5,852 |
| Net interest margin | 5.2263% | 207 |
| Noninterest income to average assets | 0.9153% | 1,632 |
| Noninterest expense to average assets | 4.2099% | 692 |
| Loan and lease loss provision to assets | 0.2250% | 1,619 |
| Net operating income to assets | 1.2162% | 1,500 |
| Return on assets (ROA) | 1.2162% | 1,574 |
| Pretax return on assets | 1.2162% | 2,512 |
| Return on Equity (ROE) | 12.7407% | 1,224 |
| Retained earnings to average equity (ytd only) | 6.1764% | 1,870 |
| Net charge-offs to loans | 0.4689% | 1,422 |
| Credit loss provision to net charge-offs | 70.1183% | 3,303 |
| Earnings coverage of net charge-offs (x) | 4.4911% | 3,551 |
| Efficiency ratio | 74.4960% | 3,047 |
| Assets per employee ($millions) | 3.1466% | 5,596 |
| Cash dividends to net income (ytd only)* | 51.5222% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 3,848 |
| Loan loss allowance to noncurrent loans | 126.0756% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3142% | 2,795 |
| Noncurrent loans to loans | 1.0775% | 3,372 |
| Net loans and leases to total assets | 65.6329% | 2,745 |
| Net loans and leases to deposits | 75.5812% | 3,011 |
| Net loans and leases to core deposits | 81.2060% | 2,987 |
| Total domestic deposits to total assets | 86.8375% | 2,810 |
| Equity capital to assets | 9.4386% | 4,507 |
| Core capital (leverage) ratio | 10.1921% | 3,301 |
| Tier 1 risk-based capital ratio | 14.3236% | 4,069 |
| Total risk-based capital ratio | 15.5742% | 4,012 |
| Memoranda: | ||
| Average total assets | $105,324,000 | 4,615 |
| Average earning assets | $95,439,800 | 4,638 |
| Average equity | $10,054,400 | 4,833 |
| Average total loans | $72,078,800 | 4,190 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 349 |
| Cost of funding earning assets | 0.2727% | 5,942 |
| Net interest margin | 5.2594% | 197 |
| Noninterest income to average assets | 0.9151% | 1,707 |
| Noninterest expense to average assets | 4.2944% | 637 |
| Loan and lease loss provision to assets | 0.2987% | 1,136 |
| Net operating income to assets | 1.0777% | 2,092 |
| Return on assets (ROA) | 1.0777% | 2,174 |
| Pretax return on assets | 1.0777% | 3,200 |
| Return on Equity (ROE) | 11.2574% | 1,723 |
| Retained earnings to average equity (ytd only) | 2.4957% | 4,827 |
| Net charge-offs to loans | 0.2360% | 2,390 |
| Credit loss provision to net charge-offs | 183.5938% | 1,318 |
| Earnings coverage of net charge-offs (x) | 8.4610% | 2,620 |
| Efficiency ratio | 75.7284% | 2,766 |
| Assets per employee ($millions) | 3.0709% | 5,732 |
| Cash dividends to net income (ytd only)* | 77.8303% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 2,785 |
| Loan loss allowance to noncurrent loans | 89.0152% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.8791% | 2,160 |
| Noncurrent loans to loans | 1.8583% | 2,422 |
| Net loans and leases to total assets | 66.9071% | 2,479 |
| Net loans and leases to deposits | 79.0613% | 2,528 |
| Net loans and leases to core deposits | 85.2819% | 2,492 |
| Total domestic deposits to total assets | 84.6268% | 3,917 |
| Equity capital to assets | 9.3488% | 4,743 |
| Core capital (leverage) ratio | 10.0270% | 3,644 |
| Tier 1 risk-based capital ratio | 13.0840% | 5,067 |
| Total risk-based capital ratio | 14.3371% | 5,013 |
| Memoranda: | ||
| Average total assets | $104,908,500 | 4,669 |
| Average earning assets | $94,862,500 | 4,695 |
| Average equity | $10,043,500 | 4,893 |
| Average total loans | $72,302,250 | 4,214 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4565% | 403 |
| Cost of funding earning assets | 0.2808% | 5,978 |
| Net interest margin | 5.1756% | 218 |
| Noninterest income to average assets | 0.8794% | 1,891 |
| Noninterest expense to average assets | 4.1361% | 749 |
| Loan and lease loss provision to assets | 0.2969% | 1,222 |
| Net operating income to assets | 1.1116% | 1,888 |
| Return on assets (ROA) | 1.1116% | 2,006 |
| Pretax return on assets | 1.1116% | 3,050 |
| Return on Equity (ROE) | 11.5214% | 1,631 |
| Retained earnings to average equity (ytd only) | 2.0518% | 4,974 |
| Net charge-offs to loans | 0.1265% | 3,110 |
| Credit loss provision to net charge-offs | 339.1304% | 767 |
| Earnings coverage of net charge-offs (x) | 16.0870% | 1,687 |
| Efficiency ratio | 74.5966% | 3,012 |
| Assets per employee ($millions) | 3.0433% | 5,780 |
| Cash dividends to net income (ytd only)* | 82.1918% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 2,954 |
| Loan loss allowance to noncurrent loans | 82.2052% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.7947% | 2,423 |
| Noncurrent loans to loans | 2.0145% | 2,383 |
| Net loans and leases to total assets | 67.6102% | 2,322 |
| Net loans and leases to deposits | 77.3672% | 2,658 |
| Net loans and leases to core deposits | 83.2980% | 2,655 |
| Total domestic deposits to total assets | 87.3887% | 2,598 |
| Equity capital to assets | 9.3862% | 4,742 |
| Core capital (leverage) ratio | 9.8620% | 3,698 |
| Tier 1 risk-based capital ratio | 12.9817% | 5,156 |
| Total risk-based capital ratio | 14.2352% | 5,094 |
| Memoranda: | ||
| Average total assets | $105,075,000 | 4,702 |
| Average earning assets | $94,713,330 | 4,737 |
| Average equity | $10,137,670 | 4,903 |
| Average total loans | $72,725,670 | 4,222 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4255% | 415 |
| Cost of funding earning assets | 0.2902% | 6,039 |
| Net interest margin | 5.1353% | 219 |
| Noninterest income to average assets | 0.7858% | 2,187 |
| Noninterest expense to average assets | 4.0575% | 829 |
| Loan and lease loss provision to assets | 0.2947% | 1,184 |
| Net operating income to assets | 1.0465% | 2,052 |
| Return on assets (ROA) | 1.0465% | 2,159 |
| Pretax return on assets | 1.0465% | 3,162 |
| Return on Equity (ROE) | 10.7048% | 1,791 |
| Retained earnings to average equity (ytd only) | 4.9080% | 3,293 |
| Net charge-offs to loans | 0.0490% | 3,344 |
| Credit loss provision to net charge-offs | 866.6667% | 348 |
| Earnings coverage of net charge-offs (x) | 39.4444% | 798 |
| Efficiency ratio | 75.1575% | 3,070 |
| Assets per employee ($millions) | 3.0338% | 5,924 |
| Cash dividends to net income (ytd only)* | 54.1516% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 3,522 |
| Loan loss allowance to noncurrent loans | 75.9519% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.8711% | 2,515 |
| Noncurrent loans to loans | 2.0678% | 2,545 |
| Net loans and leases to total assets | 69.0845% | 1,829 |
| Net loans and leases to deposits | 79.5339% | 2,146 |
| Net loans and leases to core deposits | 85.6861% | 2,137 |
| Total domestic deposits to total assets | 86.8617% | 3,039 |
| Equity capital to assets | 10.0544% | 4,076 |
| Core capital (leverage) ratio | 9.8609% | 3,588 |
| Tier 1 risk-based capital ratio | 12.8358% | 5,352 |
| Total risk-based capital ratio | 14.0875% | 5,297 |
| Memoranda: | ||
| Average total assets | $105,877,000 | 4,723 |
| Average earning assets | $95,107,000 | 4,764 |
| Average equity | $10,350,500 | 4,918 |
| Average total loans | $73,521,000 | 4,214 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7429% | 403 |
| Cost of funding earning assets | 0.4683% | 5,430 |
| Net interest margin | 5.2746% | 244 |
| Noninterest income to average assets | 0.8893% | 1,898 |
| Noninterest expense to average assets | 3.9618% | 1,018 |
| Loan and lease loss provision to assets | 0.2860% | 2,376 |
| Net operating income to assets | 1.3516% | 1,193 |
| Return on assets (ROA) | 1.3516% | 1,316 |
| Pretax return on assets | 1.3516% | 2,202 |
| Return on Equity (ROE) | 14.0352% | 982 |
| Retained earnings to average equity (ytd only) | 7.9330% | 1,148 |
| Net charge-offs to loans | 0.1411% | 4,284 |
| Credit loss provision to net charge-offs | 292.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 16.7200% | 1,562 |
| Efficiency ratio | 70.7539% | 3,664 |
| Assets per employee ($millions) | 3.1943% | 5,634 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,012 |
| Loan loss allowance to noncurrent loans | 77.4474% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.8130% | 2,696 |
| Noncurrent loans to loans | 1.8474% | 2,862 |
| Net loans and leases to total assets | 67.7473% | 2,228 |
| Net loans and leases to deposits | 77.2227% | 2,627 |
| Net loans and leases to core deposits | 82.3451% | 2,737 |
| Total domestic deposits to total assets | 87.7298% | 2,392 |
| Equity capital to assets | 9.5115% | 4,858 |
| Core capital (leverage) ratio | 9.9696% | 3,442 |
| Tier 1 risk-based capital ratio | 12.1822% | 5,665 |
| Total risk-based capital ratio | 13.4331% | 5,624 |
| Memoranda: | ||
| Average total assets | $102,099,400 | 4,775 |
| Average earning assets | $91,173,600 | 4,836 |
| Average equity | $9,832,400 | 5,011 |
| Average total loans | $70,872,400 | 4,334 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 400 |
| Cost of funding earning assets | 0.5177% | 5,326 |
| Net interest margin | 5.2781% | 254 |
| Noninterest income to average assets | 0.9170% | 1,770 |
| Noninterest expense to average assets | 4.0779% | 855 |
| Loan and lease loss provision to assets | 0.3809% | 1,697 |
| Net operating income to assets | 1.1665% | 1,845 |
| Return on assets (ROA) | 1.1665% | 2,039 |
| Pretax return on assets | 1.1665% | 3,106 |
| Return on Equity (ROE) | 12.0722% | 1,609 |
| Retained earnings to average equity (ytd only) | 3.8318% | 4,194 |
| Net charge-offs to loans | 0.1335% | 4,051 |
| Credit loss provision to net charge-offs | 410.0000% | 657 |
| Earnings coverage of net charge-offs (x) | 16.6573% | 1,677 |
| Efficiency ratio | 72.4935% | 3,233 |
| Assets per employee ($millions) | 2.9169% | 6,188 |
| Cash dividends to net income (ytd only)* | 68.2594% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 3,711 |
| Loan loss allowance to noncurrent loans | 67.6780% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.1406% | 2,504 |
| Noncurrent loans to loans | 2.2977% | 2,510 |
| Net loans and leases to total assets | 69.7689% | 1,956 |
| Net loans and leases to deposits | 80.5602% | 2,304 |
| Net loans and leases to core deposits | 87.3761% | 2,295 |
| Total domestic deposits to total assets | 86.6046% | 2,921 |
| Equity capital to assets | 10.0307% | 4,449 |
| Core capital (leverage) ratio | 9.6636% | 4,026 |
| Tier 1 risk-based capital ratio | 12.6203% | 5,544 |
| Total risk-based capital ratio | 13.8727% | 5,504 |
| Memoranda: | ||
| Average total assets | $100,473,000 | 4,866 |
| Average earning assets | $89,625,750 | 4,922 |
| Average equity | $9,708,000 | 5,098 |
| Average total loans | $69,929,250 | 4,401 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 457 |
| Cost of funding earning assets | 0.5560% | 5,257 |
| Net interest margin | 5.1728% | 309 |
| Noninterest income to average assets | 0.9018% | 1,782 |
| Noninterest expense to average assets | 4.1068% | 828 |
| Loan and lease loss provision to assets | 0.4281% | 1,523 |
| Net operating income to assets | 0.9772% | 2,558 |
| Return on assets (ROA) | 0.9772% | 2,797 |
| Pretax return on assets | 0.9772% | 3,796 |
| Return on Equity (ROE) | 10.2410% | 2,265 |
| Retained earnings to average equity (ytd only) | 0.8932% | 5,715 |
| Net charge-offs to loans | 0.0401% | 4,818 |
| Credit loss provision to net charge-offs | 1,542.8571% | 213 |
| Earnings coverage of net charge-offs (x) | 50.6429% | 726 |
| Efficiency ratio | 74.5056% | 2,990 |
| Assets per employee ($millions) | 3.0535% | 5,946 |
| Cash dividends to net income (ytd only)* | 91.2779% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,813 |
| Loan loss allowance to noncurrent loans | 62.6744% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.9322% | 2,870 |
| Noncurrent loans to loans | 2.4621% | 2,438 |
| Net loans and leases to total assets | 68.2585% | 2,248 |
| Net loans and leases to deposits | 79.1080% | 2,511 |
| Net loans and leases to core deposits | 86.6076% | 2,347 |
| Total domestic deposits to total assets | 86.2852% | 3,206 |
| Equity capital to assets | 9.5636% | 4,961 |
| Core capital (leverage) ratio | 9.3724% | 4,335 |
| Tier 1 risk-based capital ratio | 12.4028% | 5,642 |
| Total risk-based capital ratio | 13.6550% | 5,624 |
| Memoranda: | ||
| Average total assets | $100,905,330 | 4,881 |
| Average earning assets | $89,932,000 | 4,937 |
| Average equity | $9,628,000 | 5,128 |
| Average total loans | $69,810,000 | 4,424 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 509 |
| Cost of funding earning assets | 0.5723% | 5,340 |
| Net interest margin | 5.1369% | 325 |
| Noninterest income to average assets | 0.8596% | 1,909 |
| Noninterest expense to average assets | 4.0763% | 857 |
| Loan and lease loss provision to assets | 0.4278% | 1,464 |
| Net operating income to assets | 0.9072% | 2,882 |
| Return on assets (ROA) | 0.9072% | 3,107 |
| Pretax return on assets | 0.9072% | 4,007 |
| Return on Equity (ROE) | 9.5184% | 2,598 |
| Retained earnings to average equity (ytd only) | 3.2836% | 4,600 |
| Net charge-offs to loans | 0.0802% | 3,692 |
| Credit loss provision to net charge-offs | 771.4286% | 443 |
| Earnings coverage of net charge-offs (x) | 24.0714% | 1,069 |
| Efficiency ratio | 75.3294% | 2,885 |
| Assets per employee ($millions) | 2.9765% | 6,195 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 4,742 |
| Loan loss allowance to noncurrent loans | 57.4645% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.9446% | 2,978 |
| Noncurrent loans to loans | 2.3786% | 2,724 |
| Net loans and leases to total assets | 69.1637% | 1,918 |
| Net loans and leases to deposits | 80.8985% | 2,073 |
| Net loans and leases to core deposits | 86.3859% | 2,246 |
| Total domestic deposits to total assets | 85.4944% | 3,793 |
| Equity capital to assets | 9.5482% | 4,727 |
| Core capital (leverage) ratio | 9.5321% | 4,008 |
| Tier 1 risk-based capital ratio | 12.4651% | 5,633 |
| Total risk-based capital ratio | 13.7149% | 5,595 |
| Memoranda: | ||
| Average total assets | $100,974,500 | 4,917 |
| Average earning assets | $89,470,000 | 4,982 |
| Average equity | $9,623,500 | 5,142 |
| Average total loans | $69,785,000 | 4,457 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0403% | 404 |
| Cost of funding earning assets | 0.7194% | 5,410 |
| Net interest margin | 5.3209% | 234 |
| Noninterest income to average assets | 1.0842% | 1,132 |
| Noninterest expense to average assets | 4.2533% | 757 |
| Loan and lease loss provision to assets | 0.5108% | 2,056 |
| Net operating income to assets | 1.0696% | 1,925 |
| Return on assets (ROA) | 1.0696% | 2,066 |
| Pretax return on assets | 1.0696% | 2,955 |
| Return on Equity (ROE) | 11.1323% | 1,658 |
| Retained earnings to average equity (ytd only) | 6.4667% | 1,756 |
| Net charge-offs to loans | 0.4221% | 3,315 |
| Credit loss provision to net charge-offs | 171.3287% | 1,563 |
| Earnings coverage of net charge-offs (x) | 5.3007% | 2,836 |
| Efficiency ratio | 72.9092% | 3,410 |
| Assets per employee ($millions) | 3.0529% | 5,984 |
| Cash dividends to net income (ytd only)* | 41.9103% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 5,034 |
| Loan loss allowance to noncurrent loans | 50.1431% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.0209% | 2,943 |
| Noncurrent loans to loans | 2.5465% | 2,580 |
| Net loans and leases to total assets | 67.2268% | 2,532 |
| Net loans and leases to deposits | 78.4509% | 2,766 |
| Net loans and leases to core deposits | 86.4442% | 2,580 |
| Total domestic deposits to total assets | 85.6929% | 3,486 |
| Equity capital to assets | 9.5129% | 4,868 |
| Core capital (leverage) ratio | 9.6548% | 3,799 |
| Tier 1 risk-based capital ratio | 12.4718% | 5,475 |
| Total risk-based capital ratio | 13.6346% | 5,523 |
| Memoranda: | ||
| Average total assets | $95,925,000 | 5,015 |
| Average earning assets | $85,625,400 | 5,064 |
| Average equity | $9,216,400 | 5,224 |
| Average total loans | $67,760,200 | 4,568 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0988% | 390 |
| Cost of funding earning assets | 0.7624% | 5,379 |
| Net interest margin | 5.3365% | 230 |
| Noninterest income to average assets | 1.1191% | 1,061 |
| Noninterest expense to average assets | 4.2665% | 742 |
| Loan and lease loss provision to assets | 0.5391% | 1,830 |
| Net operating income to assets | 1.0923% | 1,999 |
| Return on assets (ROA) | 1.0923% | 2,144 |
| Pretax return on assets | 1.0923% | 3,046 |
| Return on Equity (ROE) | 11.3391% | 1,747 |
| Retained earnings to average equity (ytd only) | 5.0558% | 3,137 |
| Net charge-offs to loans | -0.0059% | 6,728 |
| Credit loss provision to net charge-offs | -12,766.6667% | 6,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3389% | 3,485 |
| Assets per employee ($millions) | 2.8791% | 6,353 |
| Cash dividends to net income (ytd only)* | 55.4125% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 3,910 |
| Loan loss allowance to noncurrent loans | 56.0976% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.2987% | 2,785 |
| Noncurrent loans to loans | 2.7496% | 2,541 |
| Net loans and leases to total assets | 71.0806% | 1,887 |
| Net loans and leases to deposits | 83.9055% | 2,021 |
| Net loans and leases to core deposits | 89.8750% | 2,267 |
| Total domestic deposits to total assets | 84.7151% | 3,905 |
| Equity capital to assets | 9.8780% | 4,508 |
| Core capital (leverage) ratio | 9.5611% | 4,057 |
| Tier 1 risk-based capital ratio | 12.6494% | 5,368 |
| Total risk-based capital ratio | 13.9023% | 5,353 |
| Memoranda: | ||
| Average total assets | $94,719,500 | 5,084 |
| Average earning assets | $84,823,000 | 5,128 |
| Average equity | $9,124,500 | 5,276 |
| Average total loans | $67,549,000 | 4,611 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0258% | 460 |
| Cost of funding earning assets | 0.7724% | 5,548 |
| Net interest margin | 5.2534% | 258 |
| Noninterest income to average assets | 1.0589% | 1,170 |
| Noninterest expense to average assets | 4.1935% | 838 |
| Loan and lease loss provision to assets | 0.4735% | 2,095 |
| Net operating income to assets | 1.0928% | 1,896 |
| Return on assets (ROA) | 1.0928% | 1,987 |
| Pretax return on assets | 1.0928% | 2,879 |
| Return on Equity (ROE) | 11.4410% | 1,660 |
| Retained earnings to average equity (ytd only) | 5.2447% | 2,845 |
| Net charge-offs to loans | 0.0179% | 5,588 |
| Credit loss provision to net charge-offs | 3,733.3333% | 86 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 284 |
| Efficiency ratio | 72.8073% | 3,581 |
| Assets per employee ($millions) | 2.8722% | 6,348 |
| Cash dividends to net income (ytd only)* | 54.1586% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,977 |
| Loan loss allowance to noncurrent loans | 52.2300% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 2.1407% | 3,058 |
| Noncurrent loans to loans | 2.5234% | 2,866 |
| Net loans and leases to total assets | 70.3069% | 2,156 |
| Net loans and leases to deposits | 84.8505% | 1,970 |
| Net loans and leases to core deposits | 90.3016% | 2,336 |
| Total domestic deposits to total assets | 82.8598% | 4,821 |
| Equity capital to assets | 9.7528% | 4,459 |
| Core capital (leverage) ratio | 9.6224% | 3,778 |
| Tier 1 risk-based capital ratio | 12.5189% | 5,329 |
| Total risk-based capital ratio | 13.7518% | 5,321 |
| Memoranda: | ||
| Average total assets | $94,623,000 | 5,122 |
| Average earning assets | $84,668,670 | 5,174 |
| Average equity | $9,037,670 | 5,315 |
| Average total loans | $67,201,670 | 4,670 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9071% | 586 |
| Cost of funding earning assets | 0.7939% | 5,601 |
| Net interest margin | 5.1132% | 296 |
| Noninterest income to average assets | 0.9689% | 1,412 |
| Noninterest expense to average assets | 4.1886% | 827 |
| Loan and lease loss provision to assets | 0.4992% | 1,746 |
| Net operating income to assets | 0.8589% | 2,742 |
| Return on assets (ROA) | 0.8589% | 2,806 |
| Pretax return on assets | 0.8589% | 3,667 |
| Return on Equity (ROE) | 9.0884% | 2,448 |
| Retained earnings to average equity (ytd only) | 2.3728% | 4,726 |
| Net charge-offs to loans | 0.0597% | 4,334 |
| Credit loss provision to net charge-offs | 1,180.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 32.1000% | 798 |
| Efficiency ratio | 75.5149% | 3,240 |
| Assets per employee ($millions) | 2.8646% | 6,412 |
| Cash dividends to net income (ytd only)* | 73.8916% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,825 |
| Loan loss allowance to noncurrent loans | 58.4270% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.7751% | 3,608 |
| Noncurrent loans to loans | 1.9756% | 3,603 |
| Net loans and leases to total assets | 70.6594% | 1,986 |
| Net loans and leases to deposits | 83.7681% | 2,068 |
| Net loans and leases to core deposits | 89.6565% | 2,385 |
| Total domestic deposits to total assets | 84.3512% | 4,344 |
| Equity capital to assets | 9.4530% | 4,498 |
| Core capital (leverage) ratio | 9.4440% | 3,896 |
| Tier 1 risk-based capital ratio | 12.1580% | 5,545 |
| Total risk-based capital ratio | 13.2292% | 5,700 |
| Memoranda: | ||
| Average total assets | $94,543,000 | 5,150 |
| Average earning assets | $84,644,000 | 5,200 |
| Average equity | $8,934,500 | 5,351 |
| Average total loans | $67,038,000 | 4,728 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1840% | 588 |
| Cost of funding earning assets | 1.0430% | 5,466 |
| Net interest margin | 5.1410% | 326 |
| Noninterest income to average assets | 1.0919% | 1,251 |
| Noninterest expense to average assets | 4.2469% | 864 |
| Loan and lease loss provision to assets | 0.5422% | 2,979 |
| Net operating income to assets | 0.8378% | 2,641 |
| Return on assets (ROA) | 0.8378% | 2,779 |
| Pretax return on assets | 0.8378% | 3,509 |
| Return on Equity (ROE) | 8.8513% | 2,363 |
| Retained earnings to average equity (ytd only) | 2.6497% | 4,006 |
| Net charge-offs to loans | 0.7062% | 2,895 |
| Credit loss provision to net charge-offs | 111.6484% | 3,925 |
| Earnings coverage of net charge-offs (x) | 2.8418% | 3,654 |
| Efficiency ratio | 75.4742% | 3,123 |
| Assets per employee ($millions) | 2.9548% | 6,200 |
| Cash dividends to net income (ytd only)* | 70.0637% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 6,336 |
| Loan loss allowance to noncurrent loans | 47.9657% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.8455% | 3,566 |
| Noncurrent loans to loans | 2.1067% | 3,429 |
| Net loans and leases to total assets | 69.6198% | 2,630 |
| Net loans and leases to deposits | 82.3954% | 2,729 |
| Net loans and leases to core deposits | 89.4501% | 2,836 |
| Total domestic deposits to total assets | 84.4947% | 4,109 |
| Equity capital to assets | 9.4474% | 4,472 |
| Core capital (leverage) ratio | 9.6088% | 3,542 |
| Tier 1 risk-based capital ratio | 12.4224% | 5,090 |
| Total risk-based capital ratio | 13.3710% | 5,346 |
| Memoranda: | ||
| Average total assets | $93,692,200 | 5,169 |
| Average earning assets | $82,648,600 | 5,256 |
| Average equity | $8,868,800 | 5,456 |
| Average total loans | $64,428,400 | 4,892 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3254% | 483 |
| Cost of funding earning assets | 1.1121% | 5,367 |
| Net interest margin | 5.2133% | 285 |
| Noninterest income to average assets | 1.1183% | 1,119 |
| Noninterest expense to average assets | 4.2477% | 778 |
| Loan and lease loss provision to assets | 0.5534% | 2,732 |
| Net operating income to assets | 0.8972% | 2,621 |
| Return on assets (ROA) | 0.8972% | 2,774 |
| Pretax return on assets | 0.8972% | 3,570 |
| Return on Equity (ROE) | 9.4733% | 2,328 |
| Retained earnings to average equity (ytd only) | 3.4490% | 4,022 |
| Net charge-offs to loans | 0.2044% | 4,719 |
| Credit loss provision to net charge-offs | 395.9184% | 769 |
| Earnings coverage of net charge-offs (x) | 10.3779% | 1,890 |
| Efficiency ratio | 74.5432% | 3,222 |
| Assets per employee ($millions) | 2.9411% | 6,282 |
| Cash dividends to net income (ytd only)* | 63.5927% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 4,461 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.9402% | 3,553 |
| Noncurrent loans to loans | 1.8659% | 3,848 |
| Net loans and leases to total assets | 70.2451% | 2,680 |
| Net loans and leases to deposits | 85.1200% | 2,497 |
| Net loans and leases to core deposits | 91.9884% | 2,797 |
| Total domestic deposits to total assets | 82.5248% | 4,788 |
| Equity capital to assets | 9.8536% | 4,345 |
| Core capital (leverage) ratio | 9.5163% | 3,879 |
| Tier 1 risk-based capital ratio | 12.5744% | 4,920 |
| Total risk-based capital ratio | 13.8255% | 4,892 |
| Memoranda: | ||
| Average total assets | $93,476,500 | 5,233 |
| Average earning assets | $82,121,750 | 5,341 |
| Average equity | $8,852,750 | 5,536 |
| Average total loans | $63,910,250 | 4,983 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2140% | 605 |
| Cost of funding earning assets | 1.1412% | 5,456 |
| Net interest margin | 5.0728% | 363 |
| Noninterest income to average assets | 1.1566% | 963 |
| Noninterest expense to average assets | 4.1955% | 818 |
| Loan and lease loss provision to assets | 0.6006% | 2,387 |
| Net operating income to assets | 0.8128% | 2,910 |
| Return on assets (ROA) | 0.8128% | 3,058 |
| Pretax return on assets | 0.8128% | 3,837 |
| Return on Equity (ROE) | 8.6957% | 2,580 |
| Retained earnings to average equity (ytd only) | 3.0196% | 4,194 |
| Net charge-offs to loans | 0.2832% | 3,923 |
| Credit loss provision to net charge-offs | 314.4444% | 1,163 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,305 |
| Efficiency ratio | 74.8014% | 3,303 |
| Assets per employee ($millions) | 3.1183% | 5,868 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,097 |
| Loan loss allowance to noncurrent loans | 98.1862% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.5500% | 4,135 |
| Noncurrent loans to loans | 1.2906% | 4,803 |
| Net loans and leases to total assets | 67.6280% | 3,467 |
| Net loans and leases to deposits | 83.4919% | 2,975 |
| Net loans and leases to core deposits | 102.4866% | 1,782 |
| Total domestic deposits to total assets | 80.9995% | 5,398 |
| Equity capital to assets | 9.5756% | 4,588 |
| Core capital (leverage) ratio | 9.4212% | 3,929 |
| Tier 1 risk-based capital ratio | 13.0110% | 4,431 |
| Total risk-based capital ratio | 14.2255% | 4,427 |
| Memoranda: | ||
| Average total assets | $94,243,670 | 5,242 |
| Average earning assets | $82,716,330 | 5,346 |
| Average equity | $8,809,000 | 5,557 |
| Average total loans | $63,562,000 | 5,033 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1345% | 730 |
| Cost of funding earning assets | 1.1923% | 5,448 |
| Net interest margin | 4.9422% | 474 |
| Noninterest income to average assets | 1.0318% | 1,198 |
| Noninterest expense to average assets | 4.1442% | 862 |
| Loan and lease loss provision to assets | 0.4440% | 2,745 |
| Net operating income to assets | 0.7908% | 3,009 |
| Return on assets (ROA) | 0.7908% | 3,122 |
| Pretax return on assets | 0.7908% | 3,905 |
| Return on Equity (ROE) | 8.5637% | 2,642 |
| Retained earnings to average equity (ytd only) | 3.9842% | 3,756 |
| Net charge-offs to loans | 0.2275% | 3,557 |
| Credit loss provision to net charge-offs | 291.6667% | 1,356 |
| Earnings coverage of net charge-offs (x) | 8.1111% | 1,991 |
| Efficiency ratio | 77.0440% | 3,054 |
| Assets per employee ($millions) | 3.1015% | 5,996 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 6,017 |
| Loan loss allowance to noncurrent loans | 184.4504% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 1.8013% | 3,786 |
| Noncurrent loans to loans | 0.5947% | 6,122 |
| Net loans and leases to total assets | 66.6717% | 3,709 |
| Net loans and leases to deposits | 82.1109% | 3,265 |
| Net loans and leases to core deposits | 89.2152% | 3,469 |
| Total domestic deposits to total assets | 81.1971% | 5,383 |
| Equity capital to assets | 9.4654% | 4,589 |
| Core capital (leverage) ratio | 9.3344% | 3,992 |
| Tier 1 risk-based capital ratio | 13.6577% | 3,888 |
| Total risk-based capital ratio | 14.7437% | 3,950 |
| Memoranda: | ||
| Average total assets | $94,590,500 | 5,297 |
| Average earning assets | $83,202,000 | 5,390 |
| Average equity | $8,734,500 | 5,614 |
| Average total loans | $63,304,000 | 5,123 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4016% | 827 |
| Cost of funding earning assets | 1.7381% | 4,322 |
| Net interest margin | 4.6635% | 883 |
| Noninterest income to average assets | 1.1349% | 1,197 |
| Noninterest expense to average assets | 4.1245% | 1,189 |
| Loan and lease loss provision to assets | 0.4075% | 4,371 |
| Net operating income to assets | 0.7090% | 2,895 |
| Return on assets (ROA) | 0.7090% | 2,961 |
| Pretax return on assets | 0.7123% | 3,530 |
| Return on Equity (ROE) | 7.6661% | 2,508 |
| Retained earnings to average equity (ytd only) | 2.9916% | 3,075 |
| Net charge-offs to loans | 0.8505% | 2,699 |
| Credit loss provision to net charge-offs | 68.9214% | 6,514 |
| Earnings coverage of net charge-offs (x) | 1.8940% | 4,303 |
| Efficiency ratio | 78.6480% | 3,102 |
| Assets per employee ($millions) | 3.2046% | 5,711 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 6,537 |
| Loan loss allowance to noncurrent loans | 98.8818% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.8931% | 3,542 |
| Noncurrent loans to loans | 0.9799% | 5,361 |
| Net loans and leases to total assets | 65.8092% | 4,204 |
| Net loans and leases to deposits | 81.2584% | 3,748 |
| Net loans and leases to core deposits | 106.2204% | 3,307 |
| Total domestic deposits to total assets | 80.9875% | 5,344 |
| Equity capital to assets | 9.0101% | 5,131 |
| Core capital (leverage) ratio | 9.0938% | 4,269 |
| Tier 1 risk-based capital ratio | 13.3140% | 3,936 |
| Total risk-based capital ratio | 14.2759% | 4,072 |
| Memoranda: | ||
| Average total assets | $92,519,800 | 5,317 |
| Average earning assets | $81,526,400 | 5,408 |
| Average equity | $8,557,200 | 5,749 |
| Average total loans | $64,315,400 | 5,091 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4390% | 857 |
| Cost of funding earning assets | 1.8470% | 4,170 |
| Net interest margin | 4.5920% | 1,001 |
| Noninterest income to average assets | 1.1337% | 1,225 |
| Noninterest expense to average assets | 4.1011% | 1,146 |
| Loan and lease loss provision to assets | 0.4133% | 3,840 |
| Net operating income to assets | 0.6680% | 3,322 |
| Return on assets (ROA) | 0.6680% | 3,382 |
| Pretax return on assets | 0.6680% | 3,961 |
| Return on Equity (ROE) | 7.1736% | 2,993 |
| Retained earnings to average equity (ytd only) | 2.4849% | 3,934 |
| Net charge-offs to loans | 0.9086% | 2,155 |
| Credit loss provision to net charge-offs | 64.6925% | 6,087 |
| Earnings coverage of net charge-offs (x) | 1.6925% | 4,528 |
| Efficiency ratio | 79.1351% | 2,972 |
| Assets per employee ($millions) | 3.2706% | 5,467 |
| Cash dividends to net income (ytd only)* | 65.3600% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,361 |
| Loan loss allowance to noncurrent loans | 49.8036% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.1578% | 3,151 |
| Noncurrent loans to loans | 1.9860% | 3,661 |
| Net loans and leases to total assets | 69.3031% | 3,653 |
| Net loans and leases to deposits | 90.0532% | 2,572 |
| Net loans and leases to core deposits | 121.2645% | 2,137 |
| Total domestic deposits to total assets | 76.9579% | 6,346 |
| Equity capital to assets | 9.4861% | 4,766 |
| Core capital (leverage) ratio | 9.2471% | 4,267 |
| Tier 1 risk-based capital ratio | 13.6492% | 3,747 |
| Total risk-based capital ratio | 14.6705% | 3,846 |
| Memoranda: | ||
| Average total assets | $91,615,500 | 5,380 |
| Average earning assets | $80,776,000 | 5,468 |
| Average equity | $8,531,000 | 5,813 |
| Average total loans | $64,422,750 | 5,123 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4445% | 920 |
| Cost of funding earning assets | 1.9227% | 4,148 |
| Net interest margin | 4.5218% | 1,116 |
| Noninterest income to average assets | 1.0870% | 1,352 |
| Noninterest expense to average assets | 4.0490% | 1,249 |
| Loan and lease loss provision to assets | 0.4496% | 3,286 |
| Net operating income to assets | 0.5719% | 3,805 |
| Return on assets (ROA) | 0.5719% | 3,910 |
| Pretax return on assets | 0.5719% | 4,400 |
| Return on Equity (ROE) | 6.1800% | 3,566 |
| Retained earnings to average equity (ytd only) | 1.4624% | 4,512 |
| Net charge-offs to loans | 0.8368% | 2,016 |
| Credit loss provision to net charge-offs | 76.2963% | 5,297 |
| Earnings coverage of net charge-offs (x) | 1.7333% | 4,253 |
| Efficiency ratio | 79.8536% | 3,061 |
| Assets per employee ($millions) | 3.2304% | 5,507 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,436 |
| Loan loss allowance to noncurrent loans | 36.8582% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 2.5063% | 2,568 |
| Noncurrent loans to loans | 3.0486% | 2,358 |
| Net loans and leases to total assets | 70.5321% | 3,570 |
| Net loans and leases to deposits | 90.3819% | 2,770 |
| Net loans and leases to core deposits | 120.7088% | 2,301 |
| Total domestic deposits to total assets | 78.0378% | 6,067 |
| Equity capital to assets | 9.4316% | 4,701 |
| Core capital (leverage) ratio | 9.2258% | 4,268 |
| Tier 1 risk-based capital ratio | 13.5516% | 3,788 |
| Total risk-based capital ratio | 14.7247% | 3,766 |
| Memoranda: | ||
| Average total assets | $91,628,670 | 5,417 |
| Average earning assets | $80,719,670 | 5,506 |
| Average equity | $8,479,000 | 5,851 |
| Average total loans | $64,530,670 | 5,157 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4993% | 866 |
| Cost of funding earning assets | 2.0175% | 4,045 |
| Net interest margin | 4.4818% | 1,167 |
| Noninterest income to average assets | 0.9803% | 1,542 |
| Noninterest expense to average assets | 4.0339% | 1,146 |
| Loan and lease loss provision to assets | 0.3383% | 3,292 |
| Net operating income to assets | 0.5682% | 4,148 |
| Return on assets (ROA) | 0.5682% | 4,343 |
| Pretax return on assets | 0.5682% | 4,853 |
| Return on Equity (ROE) | 6.1990% | 3,956 |
| Retained earnings to average equity (ytd only) | 1.4669% | 5,030 |
| Net charge-offs to loans | 0.4959% | 2,223 |
| Credit loss provision to net charge-offs | 97.5000% | 3,850 |
| Earnings coverage of net charge-offs (x) | 2.6125% | 3,453 |
| Efficiency ratio | 81.6506% | 2,586 |
| Assets per employee ($millions) | 3.0556% | 6,009 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 4,684 |
| Loan loss allowance to noncurrent loans | 50.3519% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.0324% | 2,845 |
| Noncurrent loans to loans | 2.4168% | 2,725 |
| Net loans and leases to total assets | 69.6936% | 3,749 |
| Net loans and leases to deposits | 89.9524% | 2,936 |
| Net loans and leases to core deposits | 118.9373% | 2,509 |
| Total domestic deposits to total assets | 77.4783% | 6,155 |
| Equity capital to assets | 9.2498% | 5,009 |
| Core capital (leverage) ratio | 9.0671% | 4,600 |
| Tier 1 risk-based capital ratio | 13.3531% | 3,956 |
| Total risk-based capital ratio | 14.6028% | 3,876 |
| Memoranda: | ||
| Average total assets | $92,217,500 | 5,416 |
| Average earning assets | $81,486,000 | 5,504 |
| Average equity | $8,453,000 | 5,900 |
| Average total loans | $64,535,000 | 5,178 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2862% | 608 |
| Cost of funding earning assets | 2.2931% | 5,186 |
| Net interest margin | 4.9932% | 517 |
| Noninterest income to average assets | 1.3235% | 832 |
| Noninterest expense to average assets | 4.0549% | 1,338 |
| Loan and lease loss provision to assets | 0.4423% | 3,077 |
| Net operating income to assets | 1.3466% | 1,356 |
| Return on assets (ROA) | 1.3466% | 1,313 |
| Pretax return on assets | 1.3570% | 2,104 |
| Return on Equity (ROE) | 14.8126% | 950 |
| Retained earnings to average equity (ytd only) | 14.8126% | 96 |
| Net charge-offs to loans | 0.5904% | 2,057 |
| Credit loss provision to net charge-offs | 98.9637% | 5,419 |
| Earnings coverage of net charge-offs (x) | 4.0259% | 4,140 |
| Efficiency ratio | 69.2642% | 4,487 |
| Assets per employee ($millions) | 3.1989% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 4,344 |
| Loan loss allowance to noncurrent loans | 86.7033% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0456% | 4,205 |
| Noncurrent loans to loans | 1.4131% | 3,691 |
| Net loans and leases to total assets | 68.5667% | 4,349 |
| Net loans and leases to deposits | 90.1270% | 3,432 |
| Net loans and leases to core deposits | 117.5879% | 2,940 |
| Total domestic deposits to total assets | 76.0780% | 6,218 |
| Equity capital to assets | 9.0840% | 5,251 |
| Core capital (leverage) ratio | 9.3500% | 4,230 |
| Tier 1 risk-based capital ratio | 13.2271% | 3,978 |
| Total risk-based capital ratio | 14.4775% | 3,892 |
| Memoranda: | ||
| Average total assets | $86,364,000 | 5,465 |
| Average earning assets | $78,367,000 | 5,480 |
| Average equity | $7,851,400 | 6,147 |
| Average total loans | $65,376,600 | 5,042 |